I love credit cards so much!

[tink1970]

For those with sockdrawered Amex cards you haven't used since getting the bonus:

This is becoming a recurring theme: https://www.reddit.com/r/churning/comments/95vgz5/daily_discussion_thread_august_09_2018/e3vqb65

Amex's new anti-churning "you are not eligible to receive this welcome offer" message is popping up for applicants who have not used their cards since meeting MSR, even when they haven't closed any cards.

Put some spend on your Amex cards to keep Amex happy!

Wow, those guys go from factual to attack in a few keystrokes! Thank for being my scout so I don't get hit

What in the world does RMN mean? When did we start with a new acronym?! Haha. It's driving me crazy that I can't figure it out..

LOL, thanks for asking, I have been wondering too!

I think it's Retailmenot (?)

 

[amalone1013]

@linzjane88 @elgerber @tink1970

RMN is for Retail Me Not They have a new cashback shopping portal (and some in-store offers) so that's why it's started coming up here.

 

[linzjane88]

Calling SEA peeps-- @afan and I think someone else I am missing? I need some lounge input if you have any. I am starting to panic about my late night flights with two kids and no DH to help!

I am flying out of SEA with my dds (6 & 10) to AK to go visit family. Flight times are disappointing (but red eyes are pretty much mandatory for Anc flights). I am taking the train up from my house and will get an Uber to the airport. Because of train times I will have about 3.5 hours to kill, 1600-1930 on a Wednesday evening and between 5am and 630am the following Wednesday. Would it be worth it you think to get an Amex card to gain access to the Centurion lounge? I am thinking if we have someplace nice to recharge a bit it will help with sleepy/cranky kids. I have PP with my CSR so I don't know if those lounges are comparable? My other issue is that I have waited until 1 week prior to my trip so I would need to get it expedited.

It might all be fine. I did a redeye when they were 2 and 6 and that was so so awful I swore I would never do it again. It's dd10 though that turns into a pumpkin when the clock strikes bedtime. Maybe she can handle it better now that shes older? I'm talking out loud here.

 

[linzjane88]

Guys...I’m so excited. I can’t even focus on work HAHA!

Isn't that par for the course ?

 

[wendow]

Speaking of RMN (retail me not), has anyone done the Walgreens offer more than three times yet? I'm about to do round three today but wondering if I will have to cool it for the rest of this month? Thought I read something about only redeeming at a store 3x in 30 days.

 

[linzjane88]

Oh - all you guys talking about Packing Cubes. I bought 4 sets of them on Prime Day (different color for each of us). Now I have absolutely no idea what to do with them. I told DH everyone talks about how amazing they are. Now what... May have to watch some You Tube Videos.

Let me know when you figure it out. Everyone I know that has them loves them but it seems so odd to pack tiny suitcases inside of bigger ones? I just wonder how it is helpful. LOL!

LOL, thanks for asking, I have been wondering too!

I am stubborn and hate asking dumb questions but I finally gave in

 

[AmyAnne]

Thanks!

My wife's report shows open:
1) AU on my Discover card (her oldest card)
2) 5 Chase Cards (all 2-3+ years old)
3) 2 AMEX Cards (both 2-3+ years old)

She also has 5 open business cards in the past year (but obviously they don't show up).

Thanks -- no way my credit report is looking like that any time in the foreseeable future!

 

[miztressuz]

Happy Dance!! Was just approved for the CIP... Yes. Applied on Tuesday and was approved this morning. So excited.

In other news: Both DH and I applied for Barclays AAdvantage Business (the last day of the 50,000 points with first purchase). Both got letters in the mail needing DL Pic, SS Pic and Bank/Utility Statement. So, I sent mine all in and DH informs me that he has not had an actual SS card for a long time. (if ever - can't remember ever seeing is since we been married and that has been 23 years). So, does anyone know if Barclays will accept anything else? Passport copy maybe. They don't put a phone # on the letter they send out so not sure who to call. ( I am going to have DH get a replacement card but not sure how long that will take).

Oh - all you guys talking about Packing Cubes. I bought 4 sets of them on Prime Day (different color for each of us). Now I have absolutely no idea what to do with them. I told DH everyone talks about how amazing they are. Now what... May have to watch some You Tube Videos.

Getting to be like Southfayettefan. Trying to plan out my next year of cards for both DH and I. Of course UR's are our ultimate goal. Just used 200,000 for a cruise for the 4 of us. How cool to get a free cruise. Plus we have SW Points and will get free airfare. Love it!!

Anyway to my point. I am 4/24 as CIP will not count. Will be 3/24 in November when CSR will fall off. Would like to double dip CSR/CSP but can't do that until 2019 sometime. But figured now would be a good time to get a personal card that is of good value as I can double dip at 4/24 and now would be the time (or in the next few months) to get a card I normally could not get at 3/24. Starting to dabble in AMEX MR's. Just got the Gold Business and Green Business and referred DH to Green Business. So should I get a personal AMEX or do I get Hyatt or something else... (so many options)

DH is in the same predicament. He is 4/24 and will go 3/24 next month. So after we finish with CIP spend can work on something else. He would be able to double dip CSR/CSP in December or after. So, don't want to screw that up also. But don't want to waste that one spot I can use for something valuable also...

Eventually want to double dip SW cards for me again. But that can't happen until end of 2019. May have to research the PNC bank funding to use up $4000 on one of the cards for CSR/CSP double dip. Have no idea on any of that.

Next fall both kids will be in college. (DS is at community college right now but will be transferring to State College next fall and can use Visa/MC to pay. DD is still researching colleges so not sure on CC payments for her yet - but could have lots of spend available next fall).

Just talking through everything - maybe someone will have some advice I have not thought of.

Happy Dance Congrats!!

Can't help on the cards plans, I'm at the same point. So many cards, not enough slots

 

[DisneyMandC]

In other news: Both DH and I applied for Barclays AAdvantage Business (the last day of the 50,000 points with first purchase). Both got letters in the mail needing DL Pic, SS Pic and Bank/Utility Statement. So, I sent mine all in and DH informs me that he has not had an actual SS card for a long time. (if ever - can't remember ever seeing is since we been married and that has been 23 years). So, does anyone know if Barclays will accept anything else? Passport copy maybe. They don't put a phone # on the letter they send out so not sure who to call. ( I am going to have DH get a replacement card but not sure how long that will take).

Try 1-877-523-0478. I think it might be the personal line, but they should at least be able to connect you with the right person when you tell them you're calling on the business card.

 

[SouthFayetteFan]

Thanks -- no way my credit report is looking like that any time in the foreseeable future!

I went thru and cancelled all unneeded cards. Removed all AUs and trimmed CLs too.

She has a ton of closed cards on her report (maybe 15-20??).

 

[babyready]

Hello everyone! I just got back from a trip to Universal and we had a great time! I need to catch up on about 30 pages but I figured I'd give a summary on how I used points for my trip

I used southwest points and companion pass to fly 5 of us to Orlando. I used UR points to pay for two rooms at Royal Pacific for two nights which gave us express pass for 3 days, and one room at Sapphire Falls for two nights. I paid cash for the second room at Sapphire by booking an AP rate of $139/night. I used my CSR and my travel credit. This was my first time at Sapphire Falls and I really enjoyed the hotel. The Strongwater Tavern had excellent food and I highly recommend! If it weren't for the lack of express pass I would definitely stay at Sapphire again.

I also bought three 5 day park to park passes with UR's. There was a promo for buy 3 days get 2 days free. I price bridged the tickets at the park and upgraded to seasonal AP's for $0! The guy at the guest services thought it was a mistake and called his manager over to make sure it was ok to give me a seasonal pass for $0, haha. Tip: There is a guest services window at the Hogsmeade station where you can upgrade your tickets. There was NO LINE. Much better than waiting in line at the front of the park.

I used my priority pass for the first time at MCO. The rest of my group didn't want to risk going through security again but I have TSA precheck thanks to my CSR so I enjoyed the lounge by myself and going through security again was a breeze.

All in all, I was really glad to be able to take my dad and my son's friend along with us for this mostly free trip thanks to this thread!

Thanks for the report. We have a universal trip planned for oct on almost all points. The part I am most nervous about is converting the tickets to APs so I am glad to hear that worked for you!

Also, I just got my CSR so this is a good reminder to figure out which benefits I get and how to use them!

 

[miztressuz]

Hello everyone. We just got back from a looooong vacation. I'm about a month behind here, and I know I'll never catch up so just jumping right in.

I can't recall who is tracking Marriott elite nights via credit card spend with me, but I just wanted to post that my July nights DID NOT POST today. Hmmm . . . I should have 2 more elite nights from spending $3,000 x 2 in July. I believe they posted on either the 8th or 9th last month, so I expected them today. Hopefully, they will post tomorrow. Hopefully Marriott IT has not imploded (at least not yet) due to the pending merge.

I've been checking for our 1 periodically too, although the statement only closed on 7/19 and it took until 7/28 to just get the points. Was hoping to be surprised on the night so soon but I suspect with the upcoming merge everything is delayed.

 

[DisneyMandC]

I'm probably really behind the times on this one, but I hadn't checked DH's amex in a while and just saw that he has 10% back at office supply stores. I don't see any gift card language. Anyone gotten this and had luck with gift cards?

 

[babyready]

Speaking of RMN (retail me not), has anyone done the Walgreens offer more than three times yet? I'm about to do round three today but wondering if I will have to cool it for the rest of this month? Thought I read something about only redeeming at a store 3x in 30 days.

Ugh. I wish. I can’t even get my first one to go through (10 off a $30) but my second purchase (the newer offer of $5 cash back) went through. Just GCs on both. So random what is going through and what is stuck on pending and what isn’t even pending...

 

[mom2elal]

It's possible that you're safe to get an IHG card now. Can you list the 6 cards in your "6/24 count" with Month/Year they were opened?

I just realized that as of August I'm actually 5/24:
CSR 5/18
CSP 5/18
BofA Premium 10/17
Barclays Arrival+ 2/17
FNB Best Western 1/17

 

[SouthFayetteFan]

I just realized that as of August I'm actually 5/24:
CSR 5/18
CSP 5/18
BofA Premium 10/17
Barclays Arrival+ 2/17
FNB Best Western 1/17

I'd say you're good to get an IHG card now. That will put you at 6/24. Then I'd try to not open any personal cards until February and you'll drop to 4/24 and you can do a double dip of some sort

 

[Stefien Quix]

Hi everyone! I was advised via another thread I started that I should come over here and ask for some help. So here I am!

I'm about to start my first Disney vacation with my daughter and I'd like to start planning to take her on another one. But not like next year, or even the year after, but probably something closer to 5 years. I'd like start saving (obviously) but also figure out other ways to make the most of my money and spending so I can have my money do more for me! I poked around this thread some and, quite frankly, was super overwhelmed. There's a lot of phrases and abbreviations that I don't follow.

But I'm told everyone here is super friendly and willing to hold my hand (metaphorically speaking) to help me out

So... hi!

 

[wendow]

Ugh. I wish. I can’t even get my first one to go through (10 off a $30) but my second purchase (the newer offer of $5 cash back) went through. Just GCs on both. So random what is going through and what is stuck on pending and what isn’t even pending...

Sorry, that stinks. It is so random what is working and what isn't. The latest Walgreens seems to be the best one for GC's.

 

[mom2elal]

I'd say you're good to get an IHG card now. That will put you at 5/24. Then I'd try to not open any personal cards until February and you'll drop to 4/24 and you can do a double dip of some sort

I'm actually at 5/24 now, so the IHG would put me at 6/24. Still think it's okay?

 

[SouthFayetteFan]

Oh r/churning...how strange you are. Just another reason why I love my DISchurner family...

My response to this comment: https://www.reddit.com/r/churning/comments/95vgz5/daily_discussion_thread_august_09_2018/e3w5m06/ has a score of -2 currently meaning at least 3 people have downvoted it.

What did I say? Oh just that my wife has a fear of flying and that we prefer to go to Disney World and the Gulf of Mexico for our vacations vs. Europe, etc. Who in their right mind would downvote somebody's personal preference?? I even said I don't judge anybody whose preferences are different. Sorry, I'll end my rant but these people are idiots sometimes.