I love credit cards so much!

[wendow]

Ok, which card should I get next?

Here's my stats:
CSR 9/16
Freedom 3/17
SPG Personal 3/17
Hawaiian 11/17
Marriott Biz 3/18

DH is almost done with his CIC spend, so I'm looking for our next MSR. I love Starriott and UR....we need to rebuild both.

WWYD?

I agree with @Lain. CIP or CIC is the card I'd go for next. I like the 80k sign-up bonus on the CIP but it's the same bonus it's always been, whereas the CIC is at a higher bonus currently. Will it stay at 50k? I sure hope so but it's a pretty generous bonus for a no-AF card so I'm not sure Chase will keep it there. If you are just wanting to build those UR's as high as possible, then CIP should be next for you and later refer your dh.

 

[CyndiLouWho]

New Amex Offer for Spend $50 or more, get $15 back at Samsclub .com. Expires 7/31/18. Check your cards. I got it on several of mine. Seems widely targeted.

DoC is posting about a $20 statement credit/2000 MR for $50+ at Amazon, but it's not on any of my cards.

Thanks for this. Had it on 2 cards. Now can anyone tell me if Sam’s is charging shipping for Disney GCs? (I don’t have a membership, use a friends) Last time I ordered, there was a shipping charge that negated half the discount

 

[jimitrout]

My Southwest AF just came up on my account. I waited to close it, hoping to get the anniversary points. How long do the anniversary points usually take to show up on my Rapid Rewards account? should I wait to close or just close it now and hope the points show up. Thoughts? Also this was my second year, I paid the annual fee the first year. When can I apply for a new southwest card? I received a bonus for SW Plus in June 2016 and SW Premiere in August 2016. Can I sign up for the SW Business or shoud l wait till after August? Thank you so much for any tips?

 

[jujubiee4]

Well folks time to check your Amex offers. Doc post about an Amazon offer
https://www.doctorofcredit.com/targ...0-statement-credit-2000-membership-rewards-2/

I ran to open my account and disappointed not to see this offer but lo and behold i found Spend 50 at Sams Club and get 15 back.
I can't believe Sams popped up again after i used the last offer last month. I got it on all 3 of my Amex cards but not as an
AU on my husbands. I'm off to get more Dis Gift cards.

Keep this up Amex i might keep a card of yours around instead of closing

 

[jujubiee4]

Thanks for this. Had it on 2 cards. Now can anyone tell me if Sam’s is charging shipping for Disney GCs? (I don’t have a membership, use a friends) Last time I ordered, there was a shipping charge that negated half the discount

I just got gift cards last month and on 5 seperate orders I was not charged shipping.

**i wonder if they changed it. I will check when i reorder

 

[palhockeymomof2]

Ok, which card should I get next?

Here's my stats:
CSR 9/16
Freedom 3/17
SPG Personal 3/17
Hawaiian 11/17
Marriott Biz 3/18

DH is almost done with his CIC spend, so I'm looking for our next MSR. I love Starriott and UR....we need to rebuild both.

WWYD?

I’d go for the CIP business card...80,000UR bonus

 

[DisneyMandC]

Depends on your touring style. My kids like to do favs multiple times but that eats up time, of course. I know we did BTMRR 3x, RSR 2x, space 3x, splash 2x, potc 3x, GotG 3x, soarin 2x, IC 2x, Matterhorn 2x so if we had cut out those extra times riding, we could have done everything else. So 4 days would be good. You will need to visit Toon Town which we never stepped foot in. When we go back, I’ll do 4-day tix with break day in the middle. Because the hours are longer than at WDW, we were in the parks for 16’ish hours each day.

Maxpass is a must. Just build it in the budget!

I didn’t mention Paint the Night earlier. It’s simply spectacular! World of Color was down for us so that is something I hope to see next time.

Paint the Night is INCREDIBLE! I'm so excited to see it again. I bought our Maxpass today with our tickets. I'm so glad they have this since they didn't when we went in 2016. I'm one of those weirdos who loves FP+ so not having my rides already booked is making me anxious.

 

[jujubiee4]

Thanks for this. Had it on 2 cards. Now can anyone tell me if Sam’s is charging shipping for Disney GCs? (I don’t have a membership, use a friends) Last time I ordered, there was a shipping charge that negated half the discount

Ok I just placed 3 seperate orders and none had a shipping fee. My card is regular sams club. Matter of fact when i log in they
ask me to upgrade to Plus membership to get free shipping. Wondering if you get a charge depending of what state your
in? Although that would be weird.

• 
  
  Disney $150 Multi-Pack - 3/$50 Gift Cards
  
  Item #: 260007
  
  Arrives by Jul 10
  
  1
  $142.98
  

• Subtotal:
  $142.98
• Shipping:
  $0.00
• Tax:
  $0.00
• Shipped Order Total:
  $142.98

 

[jhoannam]

Sorry to quote myself, but I don't think I received any feedback regarding the Marriott card. It looks like the offer for the Marriott Premier Plus expires 7/12, so I'm trying to decide if it's worth it for me to go for it or not. If I don't go for it, I will probably hold off on new cards for a few months and have DH refer me to the CIP later in the year. Any advice?

I would go for it. DH has the SPG, Marriott & Marriott Biz... we will probably only keep one when the annual fee post, after the free night certificates. With those 3 card ($0 fees the first year) we’ll get enough points for a flight and hotel certificate. Have you thought about the Marriott Biz?

 

[wendow]

Thanks for this. Had it on 2 cards. Now can anyone tell me if Sam’s is charging shipping for Disney GCs? (I don’t have a membership, use a friends) Last time I ordered, there was a shipping charge that negated half the discount

No shipping last time I ordered which was about a month ago

ETA: @jujubiee4 answered this for you!

 

[SouthFayetteFan]

My Southwest AF just came up on my account. I waited to close it, hoping to get the anniversary points. How long do the anniversary points usually take to show up on my Rapid Rewards account? should I wait to close or just close it now and hope the points show up. Thoughts? Also this was my second year, I paid the annual fee the first year. When can I apply for a new southwest card? I received a bonus for SW Plus in June 2016 and SW Premiere in August 2016. Can I sign up for the SW Business or shoud l wait till after August? Thank you so much for any tips?

Those anniversary points Should post when your statement closes this month. I would wait to cancel until you get them.

 

[jujubiee4]

I booked my cruise on Friday with Carnival. Total cruise for 4 was around $3300. They had a reduced deposit sale going on so I put down $300 on my CSR that I just upgraded back from Freedom. (for the sole purpose of this cruise). So, the $300 travel credit should wipe out the deposit. I called Chase Cruise Dept this morning to transfer my cruise to them. It was so easy. I spoke to a really nice gal (Peggy). She got some basic information from me and then called Carnival while I was on hold. They instantly transferred the booking to her. I then used 200,000 UR's to pay the remaining $3000 of the cruise. There was no forms to fill out or anything - super simple. Now I only owe the gratuities which is due by December 31st. This is so awesome to get a FREE Cruise...

Now waiting on SW to release dates for Mid March and then will book our airfare on SW Points. I love this hobby!!

If you have amex i see there is a cashback offer for Carnival when you spend 300. Can you get a gift card for onboard
expenses. (Not sure)

 

[wendow]

Paint the Night is INCREDIBLE! I'm so excited to see it again. I bought our Maxpass today with our tickets. I'm so glad they have this since they didn't when we went in 2016. I'm one of those weirdos who loves FP+ so not having my rides already booked is making me anxious.

I loved MP and while I don't hate FP+ as much as I used to lol, I just like there being an advantage for fp when you get to the park early. And MP brings that back since no one can book until they are scanned in. I'd be happy if WDW did MP instead of FP+ (though it should be included in these outrageously expensive park tix!).

I also don't like booking everything so far out at WDW. You make these FP's 60 days out and then Disney changes the hours, or adds EMH and now, you'd like to change parks but you can't. DLR felt like the old days at WDW when you could be more spontaneous!

Can't wait to hear how you like MP on your trip!

 

[jujubiee4]

Lots of good advice.

I’ll just add that Amex Offers are targeted to individual cards (both primary and AU can get them, and an AU might get an offer that the primary doesn’t get, or vice versa, and sometimes both primary and AU will get the same offer). Amex Offers can be widely available or very narrowly targeted. For really popular Amex Offers like Samsclub, Staples, Best Buy, Lowe’s, Home Depot — basically places where you can redeem the Amex Offer by buying gift cards — it’s best to add them to your card ASAP, because some offers do “fill up.” You just have to check the offers tab on each card.

Each Amex card (primary or AU) can sign up for its own Amex online account, but you can add more Amex cards to existing accounts if that makes it easier to manage your accounts. However, Amex Offers are usually limited to 1 per account. So like @platamama said, say you have more than 1 card on your Amex account, and you got the Sam’s Club offer on, say, 3 Amex cards, once you click to add the offer to 1 card, that offer will disappear on the 2 other cards it was on. Adding an Amex Offer to a card on your login will not make the Offer disappear on DH’s card if DH’s card is on another login.

You can get around this limitation by opening up new tabs or windows for each of your cards, go down to their Offers, and click to add the same offer in the different tabs or windows. @calypso726 wrote up a good guide (with pictures) showing you how to do this: https://www.disboards.com/threads/i-love-credit-cards-so-much.3528202/page-897#post-58922317



THIS.

P.S. you always refer to your card as the AMEX. I’m guessing that’s your Platinum, but it would really help us keep our advice straight if you tell us what Amex you’re referring to, especially as you get more Amexes.

I wonder if Amex is cracking down on the mulitple tab trick. I always use the multiple tab trick. However before i left for my vacation in May
i added an offer I think ebags or Boston Market i can't remember which one...I added to all the cards with the trick. When i got back couple
weeks later i see they removed all but ONE offer on the card. I called and was told only one allowed. Not sure if they are cracking down or
I didn't use it fast enough.

 

[disneymagicgirl]

If you have amex i see there is a cashback offer for Carnival when you spend 300. Can you get a gift card for onboard
expenses. (Not sure)

I was wondering if I could get a GC and sell it...

 

[disneymagicgirl]

I loved MP and while I don't hate FP+ as much as I used to lol, I just like there being an advantage for fp when you get to the park early. And MP brings that back since no one can book until they are scanned in. I'd be happy if WDW did MP instead of FP+ (though it should be included in these outrageously expensive park tix!).

I also don't like booking everything so far out at WDW. You make these FP's 60 days out and then Disney changes the hours, or adds EMH and now, you'd like to change parks but you can't. DLR felt like the old days at WDW when you could be more spontaneous!

Can't wait to hear how you like MP on your trip!

I need to research this but sounds great. FP+ has grown on me too, but isn’t prefer the old way. There is something to be said for sleeping in and still hitting headliners though.
The way the change hours etc at the last minutes makes me crazy!
Off to read about maxpass...

 

[GusGus16]

Those anniversary points Should post when your statement closes this month. I would wait to cancel until you get them.

Agree with SouthFayetteFan. Would also note that you are not eligible for another bonus on the premier or plus until 24 months after you received your last bonus for either of those cards. Would the companion pass be of any benefit for you? May want to wait until closer to the end of the year to apply for either of those cards... or may want to see what the new SW card is going to entail. I always have luck with a retention bonuses for the SW premier card, may be worth a call and see if you can get one, the one I got this year was $100 dollar statement credit.

 

[jujubiee4]

The CIP earns 3x UR on eBay sellers fees and eBay shipping through PayPal. Add the CIP as the payment method on your eBay account and select and preauthorize the CIP in PayPal as the preferred method of payment for eBay shipping.

Good luck!

I had no idea the CIP helped on ebay fees . Next time im under 5/24 I might apply for this. I have been wanting to selling some stuff on
ebay but alway end up putting it on craigslist.

 

[3 DD love princesses]

How about bank account bonuses for the cash?

Need to read into these.

Looks like there are 3 spaces on the app for name. I fill in all three with my name? This is a "business", not so much an actual business. I have sold a few things on eBay but do have plenty more to sell and would like to get back into it. I put business category as retail.

ETA Tax id number? No idea on that one.

Glad you applied good luck with approval!

My Southwest AF just came up on my account. I waited to close it, hoping to get the anniversary points. How long do the anniversary points usually take to show up on my Rapid Rewards account? should I wait to close or just close it now and hope the points show up. Thoughts? Also this was my second year, I paid the annual fee the first year. When can I apply for a new southwest card? I received a bonus for SW Plus in June 2016 and SW Premiere in August 2016. Can I sign up for the SW Business or shoud l wait till after August? Thank you so much for any tips?

Once your statement closes you should see the points. Your won’t be eligible for the bonus till aug but I would wait till sept to be safe.

 

[CyndiLouWho]

There are things about DLR that are superior to WDW:
ease of hopping, availability of hotels that have walkability to the parks, Cars Land!!!!, better Space, POTC, BTMRR, IASW, much better weather, roaming characters, more characters, my dd's would say the Marvel characters

We loved the same stuff. I would go back in a minute. We did 5 day hoppers and could have done more. Loved loved loved Cars Land and RSR. WDW flights are usually cheaper so we are headed back there next spring.

If recon doesn’t work, then you need to take one more step to remove the cards from showing on your credit reports on your own. If the AU cards were Chase cards, those are easy. Once removed as an AU, you can secure message Chase to remove reference of the AU from your credit reports with all the credit bureaus to which they report on the basis you're no longer an AU and you've never been and are not financially responsible for the charges on those cards. Those are the magic words that Chase is looking for. Or you could submit a dispute directly with the major credit bureaus.

This dispute process could take a few weeks, which may delay or come too late for your upcoming purchases.

My DH was denied for CIP in February because of AUs I forgot about. They were closed already, but showed on Experian (Chase letter should tell you which bureau they used) as less than 24 months old. I filled out the dispute form on Experian website and had a response 24 hours later that they were removed. I waited 31 days (Chase says 1 app in 30days) reappland he was approved. If you are scared to call and can wait 30 days, this was easy.
ETA meant to tag @Angeliki19