I love credit cards so much!

[pillow]

I know! I liquidated $600 in MCGCs from the Safeway deal (4x $100s, 4x $50s) and $300 (3x $100s) from the Staples no-fee deal through the Plastiq Masterpass promo recently. It's tedious and time consuming making payments $50 and $100 at a time, but for no fee, a little savings, or 5x UR, I'll do it. I wish I had bought more and started earlier in the promo so I could make a bigger dent in our student loans for basically a small profit. I'm going to try a $500 variable load MCGC again and see if I can't also chip away at my Biz Plat and SPG Lux MSRs.

And thank you for the kind words and hugs!

Hmmm. This gives me something to think about as we need to meet MSR for DH's Lux card. Where will you buy the MCGC?

 

[palhockeymomof2]

Do you know if referral bonuses are posting in a timely manner? Just received CSP referral bonus but don't know if it's from DISchurners or ChurningReferrals. I have no idea when the link was used. Just trying to figure out if is was a DIS person that used my link or not. If it was THANK YOU!!!

Mine posted timely a few weeks ago..not sure if they still are

 

[pillow]

So what's the deal with the Gift of College GCs? I've seen some chatter about them but haven't paid close attention lol

Its a nice way to meet minimum spend. You purchase the cards and load them to your State's 529 college plan. I believe the $500 card has a $5.95 fee, so not super expensive. You can also pay down student loans with them I believe.

 

[Lain]

Hmmm. This gives me something to think about as we need to meet MSR for DH's Lux card. Where will you buy the MCGC?

I buy them at grocery stores along with my usual shopping. Plastiq did give me an error when I tried using a $500 variable load MCGC, but I wonder if I messed up the process so I want to try it again. Definitely before the end of this week.

 

[hsmamato2]

Good news on the SPG Lux front. We upgraded last week (Wed?) to the SPG Luxury. Amex assured me that we could use the current "old" card as the Lux until the new card arrives. Had a points stay on Thursday night (too late to cancel and change to cash). I bought a $300 Marriott gift card at the front desk Friday morning and had them add it to our room. The only thing on our bill at checkout was the gift card + $12 for the cruise shuttle.

Both the $60 Amex offer credit and the $300 SPG Lux credit have posted! Yay!!

I'm not sure if the $60 Amex offer credit will work if you don't have a stay and just buy at the front desk. Since we had them charge the gift card to our room, it appears as if its a room charge on our statement.

cool..... I wonder if you actually have to have a stay to make this work out,or could you just go and buy at the desk...

 

[LuckyMamaInDE]

Its a nice way to meet minimum spend. You purchase the cards and load them to your State's 529 college plan. I believe the $500 card has a $5.95 fee, so not super expensive. You can also pay down student loans with them I believe.

Ah, thanks! We're on kid 3 of 3 going through college, but we contribute to 529s for their (much younger) cousins. Might be something to keep in mind should GoC be easily accessible in the mid-Atlantic region.

 

[SouthFayetteFan]

Question about transferring UR points. Should I just let my P2’s UR’s sit in his account until I get my CSR? My plan is to DD the end of October. Right now our only UR cards are a CIP for each of us.

I always consolidate the points immediately. It's a paranoid thing, but if something ever changed with their transfer rules I always want all the points in one spot, lol!

 

[SouthFayetteFan]

Do you know if referral bonuses are posting in a timely manner? Just received CSP referral bonus but don't know if it's from DISchurners or ChurningReferrals. I have no idea when the link was used. Just trying to figure out if is was a DIS person that used my link or not. If it was THANK YOU!!!

I can confirm that support link points posted yesterday afternoon for the week.

Also - I keep saying this but I'll say it again If you use a DISchurners link, PLEASE PM that person so they know. Obviously it's great that people are using the links, it's even nicer to be able to say thank you BUT as long as we're using each other's links, that's probably what matters most, LOL!

 

[DisneyMandC]

So informed delivery yesterday tells me my Hilton BIZ is being delivered, finally, need to pay for some things. Guess what? We get no mail yesterday, they just didn't show up in our entire neighborhood. This morning I call and they tell me, some routes didn't get done yesterday, too much mail, and not enough drivers. UGH.

I had a piece of mail start showing up in my informed delivery last Monday that didn't get delivered until Friday I was so irritated because there was no return address on the front so I didn't even know who it was from, so I just kept seeing it pop up in informed delivery but didn't actually get it with the rest of my mail lol.

 

[Haley R]

I contacted chase today (since no points are showing....grrrr). They said “your statement ends September 10”. I messaged back saying my account says September 3. Doesn’t make any sense but I’m positive it is because we tried moving the date. Won’t make that mistake again.

 

[Lain]

So what's the deal with the Gift of College GCs? I've seen some chatter about them but haven't paid close attention lol

Its a nice way to meet minimum spend. You purchase the cards and load them to your State's 529 college plan. I believe the $500 card has a $5.95 fee, so not super expensive. You can also pay down student loans with them I believe.

As @pillow noted, GOC GCs can be used to contribute toward your kid(s)'s 529 Plan or pay down a student loan. Toys R Us and Babies R Us used to sell GOC GCs in denominations up to $500 for a $5.95 fee (1.19%), but they're out of business. As I understand it, the only retailer still selling $500 GOC GCs is H-E-B stores in Texas. There are several sites that offer GOC GCs online, but I believe they max out at $200 for a $5.95 fee (2.98%). So if you can find a place that sells $500 GOC GCs, that'll incur the lowest fee.

 

[disneybirds]

So what's the deal with the Gift of College GCs? I've seen some chatter about them but haven't paid close attention lol

Like @pillow said, it is just an inexpensive way to meet MSR or points. I ended putting ours in a 529 plan for our state that allowed a write-off on state taxes for the first few thousand and then paying her tuition. It takes some time to load into the Gift of College account, then transfer to a 529 plan, but it was worth it for the tax write-off and points. It is also much cheaper than paying the fee to put the tuition on a credit card. I am hopeful they are in stores soon to take advantage this year!

 

[hsmamato2]

I have tried Bancorp and Metabank Visas at the grocery store and Walmart and they always get declined.

you mean you hit yes....and then it won't go thru? so there's no harm in trying, but I may have to reswipe if it fails?

 

[pillow]

I buy them at grocery stores along with my usual shopping. Plastiq did give me an error when I tried using a $500 variable load MCGC, but I wonder if I messed up the process so I want to try it again. Definitely before the end of this week.

Do you need to register the MCGC first? Could that be the problem? Is there a RAT team concern with Amex MSR and gift cards (makes me nervous).

I'm wondering if Sam's Club sells MCGC. If so, you could stack it with the Dosh promo for 10% back. Might have to run in there this afternoon and see what they carry.

 

[hsmamato2]

Doesn't work.

oops I replied too soon....so don't bother I guess -why does it ask?

 

[elgerber]

I had a piece of mail start showing up in my informed delivery last Monday that didn't get delivered until Friday I was so irritated because there was no return address on the front so I didn't even know who it was from, so I just kept seeing it pop up in informed delivery but didn't actually get it with the rest of my mail lol.

12 pieces of mail and a package, all in limbo. So annoying!! Out post office is the worst. We have had many times where we get someone elses mail, and not ours. I have pulled ours out of our neighbors box, and other times it's nowhere to be found, while we have someone elses.

 

[WVMomof3]

I contacted chase today (since no points are showing....grrrr). They said “your statement ends September 10”. I messaged back saying my account says September 3. Doesn’t make any sense but I’m positive it is because we tried moving the date. Won’t make that mistake again.

Wow, what a mess this has been for you waiting for those points! I know it must be super frustrating.

 

[hsmamato2]

Ugh. The new RMN cash back bonuses are underwhelming. I have a $5 off $50 Walgreens but other than that, not worth my time.

well that's the only offer I'll even bother trying since none of the others tracked...and trying to input the receipt failed (app just went blank) I hate wasting time but I'll try for another gc purchase.... did the new t&c say you can get 3x on each offer?

 

[Haley R]

Wow, what a mess this has been for you waiting for those points! I know it must be super frustrating.

It’s pretty frustrating but I can’t do anything about it. I guess I’ll be waiting until September 10 to see what happens. If I don’t see points that day I will be very upset.

 

[SouthFayetteFan]

I SM’d chase and they said we were successful in moving our next statement date. We changed it so our statement cycle is on the 10th of each month. I’m hoping this means we will see our points at the end of this week! I already see the 80k listed as being put on our next statement.

We still haven’t gotten our bonus for my CIP. We moved the statement date and confirmed with chase that it was changed to September 10. I’m getting a little worried about buying plane tickets...

I messaged awhile back and I believe they said my new date was September 10 (I’m pretty sure that was our next due date because we tried moving it up). They just keep giving me a generic response saying it can take 6-8 weeks for the points to post.

I called chase just using the automated system and our next statement date is September 10. I messaged the person I’ve been talking with and asked if we could move it sooner.

I contacted chase today (since no points are showing....grrrr). They said “your statement ends September 10”. I messaged back saying my account says September 3. Doesn’t make any sense but I’m positive it is because we tried moving the date. Won’t make that mistake again.

So on August 5th you moved your statement date. What appears to have happened is it skipped a month (probably because the 10th was just 5 days away at that point). At that point, the website and app were still showing the 3rd or other dates, but that info was no longer correct until the date change took affect.

It seems like we've had our answer all along here as they've repeatedly said Sept 10th in all these messages, lol.

I would say for all of us here, in the future it's probably not worth advising anybody to manipulate their statement date in an effort to get points sooner. It seems the risk (of it actually moving BACK) is probably not worth it. Sorry @Haley R that you had to find this out the hard way though