I love credit cards so much!

[disneymagicgirl]

Quick Q - what have you been procrastinating on that this screws up? Keep in mind that support links still show 24 month language (if you weren’t aware of that) so you can still do a double dip now (but who knows when this loophole will close).

DH was eligible to DD back in June. I just didn't want to cancel his CSR b/c we needed it for 1.5x redemption. Now it is likely too late to cancel it, and wait the 30 days to DD.
For me, I was planning a DD next summer.
We have wiped out our URs for the cruise...not that I regret it...just much harder to build them back up now.

ETA: I don't know how cancelling his CSR would affect the trip insurance for our cruise either. I should look into that.

 

[MrPTato]

I’m at 24 nights with Marriott but had my 25th night on Sat. Anyone know how long it has been taking lately for the nights to credit. Tomorrow we check-in at the Courtyard through Thurs. If the night shows up before our departure to change my status to Gold, do you think the hotel will honor the late check-out?

It took a solid 7 days for my nights to show up last week. That was in the midst of messages about "some stays are currently missing" during the merger though.

My wife just hit 25 nights on August 18th...I think she just got notification when she went in today to book her work travel for the next 4 nights in NY. She is hoping the points post for this upcoming stay soon as we want to use points now for Philly next month.

What is standard notification for RMN offers? Tried my first one today for the "today only" Old Navy deal. No emails or app notifications. The deal is only today and it would be nice to know if I got the offer or if I need to put a purchase through again!

I get a notification before I walk on the door from the app on my iPhone. If not I go in and check and usually it shows that they have record of a purchase. I haven't had any issues yet but I also just started a couple weeks back.

 

[SouthFayetteFan]

DH was eligible to DD back in June. I just didn't want to cancel his CSR b/c we needed it for 1.5x redemption. Now it is likely too late to cancel it, and wait the 30 days to DD.
For me, I was planning a DD next summer.
We have wiped out our URs for the cruise...not that I regret it...just much harder to build them back up now.

ETA: I don't know how cancelling his CSR would affect the trip insurance for our cruise either. I should look into that.

You could PC his CSR to a Freedom. Then wait maybe 3ish days and do his double dip!

 

[MrsAlexis]

I get a notification before I walk on the door from the app on my iPhone. If not I go in and check and usually it shows that they have record of a purchase. I haven't had any issues yet but I also just started a couple weeks back.

Any idea about the online offers? This was online not in store. I went ahead and made a second order thru the app (earlier purchase was on desktop but appeared I followed instructions) and still no notifications...

 

[MrPTato]

Glad my CSP didn't fall off of my Chase account after it was closed a few years back. I was able to go back and track that the bonus was last paid May 2015. I will be good to go at the end of next year if I apply for 0 personal cards until then. I have 7 closed Chase cards showing in my profile right now from my churning days a couple years back. I was stupid back then. I would open, use RedBird to get the bonus, cash out the bonus and then close the card.

 

[MrPTato]

Any idea about the online offers? This was online not in store. I went ahead and made a second order thru the app (earlier purchase was on desktop but appeared I followed instructions) and still no notifications...

I haven't tried online yet...I was going to try Old Navy in the next couple days. I need pants.

 

[platamama]

Sorry to hear you've had all these issues. My variable load MCGCs are always US Bank, simply because I know I have Venmo has a backstop, if need be. The one I mentioned where I could load to MP and pay via Plastiq was in fact a USB and prepaidgiftbalance .com is the balance inquiry site as well. I wish we could pin down why you and @Lain seem to have run into these issues...who issued your MCGC?

Thanks. It is a US Bank card, but interestingly the number and website on the back of the card is different from the $200 US Bank MGCG I used successfully.

I made some progress this evening; it turned out that MasterPass blocked this variable load MC bc of my multiple attempts to add it, so the prepaid card rep was able to unblock it on his end. Then I added it to MasterPass fine. But got an error message when I tried to use it on Plastiq (via incognito mode like I had done before) saying that my "Card Issuer has declined" my payment to XYZ Company.

So I'm going to try to make a small IRL purchase with this MCGC to see if that makes it work somehow. But first I'll try Plastiq another time tomorrow in case it's a seasoning thing.

 

[Lain]

Thanks. It is a US Bank card, but interestingly the number and website on the back of the card is different from the $200 US Bank MGCG I used successfully.

I made some progress this evening; it turned out that MasterPass blocked this variable load MC bc of my multiple attempts to add it, so the prepaid card rep was able to unblock it on his end. Then I added it to MasterPass fine. But got an error message when I tried to use it on Plastiq (via incognito mode like I had done before) saying that my "Card Issuer has declined" my payment to XYZ Company.

So I'm going to try to make a small IRL purchase with this MCGC to see if that makes it work somehow. But first I'll try Plastiq another time tomorrow in case it's a seasoning thing.

That sounds like the same error I got with my variable load US Bank issued MCGC.

 

[disneymagicgirl]

You could PC his CSR to a Freedom. Then wait maybe 3ish days and do his double dip!

Thx! I can't find anywhere that address the travel insurance situation. Any ideas where to look?

 

[disneymagicgirl]

Any idea about the online offers? This was online not in store. I went ahead and made a second order thru the app (earlier purchase was on desktop but appeared I followed instructions) and still no notifications...

My online sams order (real stuff, not gc) didn't track.

 

[trstno1]

Hey friends, can I get some up vote please!
https://www.reddit.com/r/churning/comments/9ap9w9/the_future_of_referrals_on_rchurning/e4xpykh

You got it!

 

[wendow]

Any idea about the online offers? This was online not in store. I went ahead and made a second order thru the app (earlier purchase was on desktop but appeared I followed instructions) and still no notifications...

If these are legit purchases and not GC's, you can always submit a ticket if it does not credit. I've had a couple of stores that took days to show up as pending.

 

[gottalovepluto]

You could PC his CSR to a Freedom. Then wait maybe 3ish days and do his double dip!

@disneymagicgirl I’m not convinced that will maintain the insurance... I believe I’ve seen DPs you have to still actively hold a Reserve for the insurance to work? If they only verify the last 4 of the card you’re in the clear since the number won’t change but if they verify it is still a Reserve you won’t pass. I feel like they must have a way of verifiying the card type since they manage insurance claims on the different products?...

Is it worth holding onto for the cruise insurance? Have you run the math on paying for the insurance vs the potential bonus?

ETA: I cannot find these so called DPs I thought I’d seen. I saw a story on TPG of someone who claimed to have lost out on the insurance because of a downgrade but TPG claims Chase told them the insurance still would have worked. Huge grain of salt there but alas my mobile-limited searching is not yielding other tales

 

[CyndiLouWho]

If you ever decide you’re done with him and Bust Out to your fav non-extradition country... poor fellow...

For sure. He doesn’t even know how many accounts we have, how much money or where the passwords are. He really trusts me. Better not cross me.

 

[babyready]

Good thing I still have DH’s Venture offer sitting at home. I was planning his CSR/CSP for Dec but looks like there is no reason to hold those spots anymore.

Same! So bummed.

 

[SouthFayetteFan]

Thx! I can't find anywhere that address the travel insurance situation. Any ideas where to look?

I don't have any ideas on that one. Have you considered buying actual insurance for the cruise (I believe that is actually better to have in many instances anyways). Good luck with whatever you decide to do though

 

[amalone1013]

My cousin had her baby tonight! That means I can buy all of the baby clothes at WDW this weekend, right?

 

[Haley R]

My cousin had her baby tonight! That means I can buy all of the baby clothes at WDW this weekend, right?

Um yes!!

 

[trstno1]

I'm guessing any day now is about early as some people could begin churning the CSR under the 24 month rule, since the CSR came out 8/21/16, figure a day or two for delivery, time to make a $5k MSR and for the bonus to post. Chase just moved the goal post.

This is me. I did not have the benefit of this forum two years ago, and I made some credit card choices I have since regretted. This forum helped me develop a plan, primarily relying on business cards. I drop under 5/24 on September 1st, which is when I plan to apply for the CIP that will no longer get me 3x on Plastiq. This was to be followed by a CSR/CSP double dip after 10/22.

One of the insightful comments on r/churning today mentioned that this hobby might be transitioning to more of a sprint than a marathon. If there's an offer I like, especially with Chase and AmEx, I will consider jumping on it as soon as possible because it may not be here tomorrow.

 

[Ava]

Has Marriott given any details about peak/off-peak rewards pricing, except that it will be implemented in “early 2019?”

I will have three <35k free nights next year that I was planning to use in Niagara Falls in July. However, I realized that peak/off-peak pricing will be in effect by then and summer has a high likelihood of being a “peak” time. All the properties that we’d want to stay in in Niagara are new cat 5 so would be excluded from the free night certs on peak dates. Are we certain this is how it will work, because the free night indicates a points cap and not a category cap? If so, that really devalues the credit card free nights and I won’t bother keeping any of the cards just for that. With the kids school schedule, all the times we normally travel are likely to be considered “peak.”