I love credit cards so much!

[wendow]

That sucks, big time. At least reading everyone's replies I'm not alone either. We randomly won't get mail for a day or two and then magically have a full box the next day. We also have some fair weather drivers, but I chalked that up to we have our box on the house and not at the street so they have get out of the trucks to deliver. If it's pouring I don't expect mail unless they have a "last mile" package to deliver too. At least with informed delivery I have some proof, if the same mail shows up in the email a couple days in a row, I know it was just sitting in someone truck instead of sitting at the neighbors. Last Friday we got every single piece of mail for the house next to us, it reminded me that they run their own business and since they got the Disney card offer ($200/$50) in this batch I almost wanted to ask if they picked up a lot of cards for the business... if they haven't I'd be happy to tell you about a few

So funny! I regularly get my neighbor's entire stack of mail, and he gets ours. When I see my mailbox full of his mail, I just open his box and do a switcheroo He also has his own business and always gets such interesting offers...not that I go through his mail or anything...

 

[palhockeymomof2]

The CSR has the Visa infinite concierge. I haven’t used them but I’d be interested to hear if you have any success with them.

https://www.chase.com/card-benefits/sapphirereserve/service

Thanks....I just called them..she said they can’t get anything with Disney that we don’t see availability.....
Looking for 50s Prime Time for my sons birthday...he decided the other day..nothing was opened for 6 so I booked a reservation booked for 4....and I’m checking frequently

 

[SouthFayetteFan]

Thanks for the update. I hd been thinking it was just the UR points delayed. My Marriott statement closed Saturday Aug 11 and my 100,000 bonus hit Monday the 13th. However, my last charge toward the MSR occurred just after the July close, so it was in there for 30 days.

Got DHs CSR just before leaving on a trip to Canada (thanks goodness for expedited delivery!) and are over halfway to the MSR. Loving the exchange rate here.

Yeah - I'd say that all the reports of delayed bonuses kicked up in Mid-August. You got in "under the radar" so to speak. My CIP bonus posted on August 10th (but went pending in July also).

 

[Lain]

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...

I don't know, but I would think DP's would trickle in on this. I figured it was safer to charge to our room since we were there already.

DP from Reddit yesterday: Bought a $500 Ritz Carlton gift card at the front desk with my spg luxury card on Saturday, both my 100 amex offer and 300 credit posted today.

 

[Lain]

Back on the old GC thread, I had $900 worth of GC's get delivered to the wrong address. It was a couple of days until my neighbors brought them over to me. I was FREAKING out!!

I remember that.

 

[Haley R]

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

Haha it’s okay! I would’ve been fine if I was expecting it to be the 10th but I was so confused that our account was showing September 3. I guess I was the guinea pig.

 

[Haley R]

Ugh...so sorry your dealing with this

It’s okay. Lesson learned. I wouldn’t have known if it didn’t happen. It’s actually kind of funny because we tried getting the points earlier by moving the date sooner and in turn screwed ourselves lol.

 

[palhockeymomof2]

It’s okay. Lesson learned. I wouldn’t have known if it didn’t happen. It’s actually kind of funny because we tried getting the points earlier by moving the date sooner and in turn screwed ourselves lol.

Looks like it delayed your getting the points by a week...ugh...hope the flights you want are available on the 10th

 

[Haley R]

Looks like it delayed your getting the points by a week...ugh...hope the flights you want are available on the 10th

Right now I would take about anything for flights. We will have to transfer the points to virgin and call them so I hope that goes smoothly. I’ve never done that so I’m not sure how that will work exactly. I’m assuming I just call and tell them which dates we want that are available and they book it for us with their rate.

 

[disneybirds]

what's the beneift of GOC vs a straight up MC or visa gc to hit MSR?

Here were my reasons ... We did get a reduction in our state taxes since the GOC cards went into a 529 plan that qualified. I was able to combine all our gift cards through the 529 plan and then withdraw without a fee. If I had bought VGC or MCGC for the tuition, I am assuming it would process as a credit card and I would pay a fee (and they don't take debit cards). Since our DD is in college now, the funds only sat in the 529 plan for the minimum time necessary.

In reality, I still paid the tuition with a credit card to meet a MSR. I then requested a distribution from the 529 plan.

 

[disneybirds]

So I just did a Staples run to buy some of the VGCs and didn't check RMN before I left. Wouldn't you know there is a $7 off $140 purchase! I just added it about an hour after the purchase. I will let you know if it posts, but I am assuming not.

 

[lynzi2004]

So I'm currently trying to figure out where I want to fall in the grand scheme of the rewards cards game. I don't think I'm a full-on kind of gal due to having 3 little kids and being self-employed. But after doing some meddling on this thread last year, I signed my DH up for the CIP for our business and we flew to Disney on Southwest for free in May! Thank you all and that was a complete game changer! DH loved the free part and we would not have flown otherwise. We had driven the 15+ hour drive the two years prior to that as I just couldn't justify $1000+ on flights as we are not generally flyers to begin with. (DH and I last flew about 11 years ago. lol) And the CIP was actually a great fit for our business (chiropractic office) and we have enjoyed the actual day to day perks of the card, not just the rewards bonus. So in July, we changed DH's daily personal card to the CSP so that we could get the rewards bonus to use next September (2019) to fly to Disney again. One of our biggest expenses is we enjoy eating out so the 2x points on all restaurants come in handy. But I also can't justify paying the yearly fee each year just to keep the bonus points. So that's where you all come in if you could help a girl out a bit! lol I understand that most of you don't necessarily keep cards long enough to pay the annual fee. But eventually DH does need to end up with a card for our business and it would likely be easier to keep it longterm just bc of changing automatic withdrawals associated with the business can be time-consuming. But its my understanding that the CIC doesn't have a yearly fee? But then would I lose access to the UR portal? Or if I changed his CSP to a Freedom card? Do I have to keep something in one of our names with an annual fee in order to keep access to a UR account?

Where do we go from here? We essentially have any card, etc at our disposal bc we haven't really churned before, especially me under my name. He is a willing player (P2 if I understand your lingo!) But our longterm goal would be to get enough points to fly to Disney every year to 18 months for the next several years. We are in southeast MO so flying out of STL or Memphis is our best options and I did like Southwest this last trip for the direct flights and no bag fees. Our kids are 6, 5, and 7 months so I can us enjoying Disney for years to come. I don't really see us interested in international travel for some time. Its not really DHs thing. We enjoy vacationing along the Gulf Coast as well so I've looked into the basic hotel chain cards as well.

I know about the Southwest cards, but don't know if I should save those for a year or two from now when I don't already have points in my account. Or do I get them, meet the minimum spend, transfer the points and then be done with them? I'm planning on doing the CIP for our business under my name at some point but again, I don't quite know when to pull the strings. I currently have no recent chase cards, other than a Disney card opened several years ago so shouldn't affect my 5/24. I realize there are some AMEX cards out there but know nothing about them! I'm working on following the thread, but get lost quickly if I'm not on for a day or two or if too many abbreviations are used! lol

Sorry for the many random questions! Any help would be greatly appreciated! TIA!

 

[Alexle2007]

So I just did a Staples run to buy some of the VGCs and didn't check RMN before I left. Wouldn't you know there is a $7 off $140 purchase! I just added it about an hour after the purchase. I will let you know if it posts, but I am assuming not.

Good luck! I am doubtful about it since when RMN has worked for me, I have received the notification typically as I am walking out of the store.

 

[SouthFayetteFan]

So I'm currently trying to figure out where I want to fall in the grand scheme of the rewards cards game. I don't think I'm a full-on kind of gal due to having 3 little kids and being self-employed. But after doing some meddling on this thread last year, I signed my DH up for the CIP for our business and we flew to Disney on Southwest for free in May! Thank you all and that was a complete game changer! DH loved the free part and we would not have flown otherwise. We had driven the 15+ hour drive the two years prior to that as I just couldn't justify $1000+ on flights as we are not generally flyers to begin with. (DH and I last flew about 11 years ago. lol) And the CIP was actually a great fit for our business (chiropractic office) and we have enjoyed the actual day to day perks of the card, not just the rewards bonus. So in July, we changed DH's daily personal card to the CSP so that we could get the rewards bonus to use next September (2019) to fly to Disney again. One of our biggest expenses is we enjoy eating out so the 2x points on all restaurants come in handy. But I also can't justify paying the yearly fee each year just to keep the bonus points. So that's where you all come in if you could help a girl out a bit! lol I understand that most of you don't necessarily keep cards long enough to pay the annual fee. But eventually DH does need to end up with a card for our business and it would likely be easier to keep it longterm just bc of changing automatic withdrawals associated with the business can be time-consuming. But its my understanding that the CIC doesn't have a yearly fee? But then would I lose access to the UR portal? Or if I changed his CSP to a Freedom card? Do I have to keep something in one of our names with an annual fee in order to keep access to a UR account?

Where do we go from here? We essentially have any card, etc at our disposal bc we haven't really churned before, especially me under my name. He is a willing player (P2 if I understand your lingo!) But our longterm goal would be to get enough points to fly to Disney every year to 18 months for the next several years. We are in southeast MO so flying out of STL or Memphis is our best options and I did like Southwest this last trip for the direct flights and no bag fees. Our kids are 6, 5, and 7 months so I can us enjoying Disney for years to come. I don't really see us interested in international travel for some time. Its not really DHs thing. We enjoy vacationing along the Gulf Coast as well so I've looked into the basic hotel chain cards as well.

I know about the Southwest cards, but don't know if I should save those for a year or two from now when I don't already have points in my account. Or do I get them, meet the minimum spend, transfer the points and then be done with them? I'm planning on doing the CIP for our business under my name at some point but again, I don't quite know when to pull the strings. I currently have no recent chase cards, other than a Disney card opened several years ago so shouldn't affect my 5/24. I realize there are some AMEX cards out there but know nothing about them! I'm working on following the thread, but get lost quickly if I'm not on for a day or two or if too many abbreviations are used! lol

Sorry for the many random questions! Any help would be greatly appreciated! TIA!

Wow - lot's to digest here!

• If Southwest is the airline you'll be flying, getting SW cards from Chase is a great plan. They provide the maximum return for lowest spend. Based on how often you fly and the size of your family the companion pass (CP) would be "nice" but wouldn't necessarily provide a huge benefit. I would consider getting a SW Business card for the 60k offer and a SW personal card when the 50k offer comes back around (and try to earn a CP too by having one player earn 110k SW points in one year).
• Getting a CIP in your name is a great plan.
• Getting a CIC is not a bad plan
• Depending on how you "do Disney" you could also consider CSR/CSP - and do the double dip.

I'm hesitant to start making any recommendations because your comment went in a TON of different directions. You seem VERY well read on things here so I absolutely think you're capable of making your own plan and then running it by us. We can all try to give advice but depending on who you talk to, it will be different advice. If you're able to make your own plan, that's even better. Then we can help tweak it or give advice.

You could cover a substantial amount of your travel expense if you're willing to go for 3-4 cards a year between the 2 players.

Also - if you haven't been around lately, you might consider joining our Reddit group DISchurners. IF you're interested just let me know! We have some great tips there and you can also support other DISers when signing up for cards.

 

[SouthFayetteFan]

So I'm currently trying to figure out where I want to fall in the grand scheme of the rewards cards game. I don't think I'm a full-on kind of gal due to having 3 little kids and being self-employed. But after doing some meddling on this thread last year, I signed my DH up for the CIP for our business and we flew to Disney on Southwest for free in May! Thank you all and that was a complete game changer! DH loved the free part and we would not have flown otherwise. We had driven the 15+ hour drive the two years prior to that as I just couldn't justify $1000+ on flights as we are not generally flyers to begin with. (DH and I last flew about 11 years ago. lol) And the CIP was actually a great fit for our business (chiropractic office) and we have enjoyed the actual day to day perks of the card, not just the rewards bonus. So in July, we changed DH's daily personal card to the CSP so that we could get the rewards bonus to use next September (2019) to fly to Disney again. One of our biggest expenses is we enjoy eating out so the 2x points on all restaurants come in handy. But I also can't justify paying the yearly fee each year just to keep the bonus points. So that's where you all come in if you could help a girl out a bit! lol I understand that most of you don't necessarily keep cards long enough to pay the annual fee. But eventually DH does need to end up with a card for our business and it would likely be easier to keep it longterm just bc of changing automatic withdrawals associated with the business can be time-consuming. But its my understanding that the CIC doesn't have a yearly fee? But then would I lose access to the UR portal? Or if I changed his CSP to a Freedom card? Do I have to keep something in one of our names with an annual fee in order to keep access to a UR account?

Where do we go from here? We essentially have any card, etc at our disposal bc we haven't really churned before, especially me under my name. He is a willing player (P2 if I understand your lingo!) But our longterm goal would be to get enough points to fly to Disney every year to 18 months for the next several years. We are in southeast MO so flying out of STL or Memphis is our best options and I did like Southwest this last trip for the direct flights and no bag fees. Our kids are 6, 5, and 7 months so I can us enjoying Disney for years to come. I don't really see us interested in international travel for some time. Its not really DHs thing. We enjoy vacationing along the Gulf Coast as well so I've looked into the basic hotel chain cards as well.

I know about the Southwest cards, but don't know if I should save those for a year or two from now when I don't already have points in my account. Or do I get them, meet the minimum spend, transfer the points and then be done with them? I'm planning on doing the CIP for our business under my name at some point but again, I don't quite know when to pull the strings. I currently have no recent chase cards, other than a Disney card opened several years ago so shouldn't affect my 5/24. I realize there are some AMEX cards out there but know nothing about them! I'm working on following the thread, but get lost quickly if I'm not on for a day or two or if too many abbreviations are used! lol

Sorry for the many random questions! Any help would be greatly appreciated! TIA!

I didn't say this in my original post but you only need to have 1 UR card open to keep your UR points active. (And you can just transfer all your URs to that card). It doesn't matter if it's a Freedom, a CSP, a CIP, whatever. You will need to have one of the premium cards active when you go to redeem your points however.

 

[palhockeymomof2]

So I'm currently trying to figure out where I want to fall in the grand scheme of the rewards cards game. I don't think I'm a full-on kind of gal due to having 3 little kids and being self-employed. But after doing some meddling on this thread last year, I signed my DH up for the CIP for our business and we flew to Disney on Southwest for free in May! Thank you all and that was a complete game changer! DH loved the free part and we would not have flown otherwise. We had driven the 15+ hour drive the two years prior to that as I just couldn't justify $1000+ on flights as we are not generally flyers to begin with. (DH and I last flew about 11 years ago. lol) And the CIP was actually a great fit for our business (chiropractic office) and we have enjoyed the actual day to day perks of the card, not just the rewards bonus. So in July, we changed DH's daily personal card to the CSP so that we could get the rewards bonus to use next September (2019) to fly to Disney again. One of our biggest expenses is we enjoy eating out so the 2x points on all restaurants come in handy. But I also can't justify paying the yearly fee each year just to keep the bonus points. So that's where you all come in if you could help a girl out a bit! lol I understand that most of you don't necessarily keep cards long enough to pay the annual fee. But eventually DH does need to end up with a card for our business and it would likely be easier to keep it longterm just bc of changing automatic withdrawals associated with the business can be time-consuming. But its my understanding that the CIC doesn't have a yearly fee? But then would I lose access to the UR portal? Or if I changed his CSP to a Freedom card? Do I have to keep something in one of our names with an annual fee in order to keep access to a UR account?

Where do we go from here? We essentially have any card, etc at our disposal bc we haven't really churned before, especially me under my name. He is a willing player (P2 if I understand your lingo!) But our longterm goal would be to get enough points to fly to Disney every year to 18 months for the next several years. We are in southeast MO so flying out of STL or Memphis is our best options and I did like Southwest this last trip for the direct flights and no bag fees. Our kids are 6, 5, and 7 months so I can us enjoying Disney for years to come. I don't really see us interested in international travel for some time. Its not really DHs thing. We enjoy vacationing along the Gulf Coast as well so I've looked into the basic hotel chain cards as well.

I know about the Southwest cards, but don't know if I should save those for a year or two from now when I don't already have points in my account. Or do I get them, meet the minimum spend, transfer the points and then be done with them? I'm planning on doing the CIP for our business under my name at some point but again, I don't quite know when to pull the strings. I currently have no recent chase cards, other than a Disney card opened several years ago so shouldn't affect my 5/24. I realize there are some AMEX cards out there but know nothing about them! I'm working on following the thread, but get lost quickly if I'm not on for a day or two or if too many abbreviations are used! lol

Sorry for the many random questions! Any help would be greatly appreciated! TIA!

You are correct if you need to keep either the CIP, CSP or if you had a CSR or Freedom open to access your UR points...

Since you don’t have a CIP in your name you could open one up with a referral from your husbands account and get the 80,000 bonus points plus your husband gets 20,000 for referring you

Since the CIC and CIU cards have no fee you could also have your husband open thoses just space out,the applications every 3-4 months.

If your interested in the SW companion pass best to get the SW business and a personal at the beginning of 2019 so you’d have it until 12/31/2020

 

[speedyfishy]

So I'm currently trying to figure out where I want to fall in the grand scheme of the rewards cards game. I don't think I'm a full-on kind of gal due to having 3 little kids and being self-employed. But after doing some meddling on this thread last year, I signed my DH up for the CIP for our business and we flew to Disney on Southwest for free in May! Thank you all and that was a complete game changer! DH loved the free part and we would not have flown otherwise. We had driven the 15+ hour drive the two years prior to that as I just couldn't justify $1000+ on flights as we are not generally flyers to begin with. (DH and I last flew about 11 years ago. lol) And the CIP was actually a great fit for our business (chiropractic office) and we have enjoyed the actual day to day perks of the card, not just the rewards bonus. So in July, we changed DH's daily personal card to the CSP so that we could get the rewards bonus to use next September (2019) to fly to Disney again. One of our biggest expenses is we enjoy eating out so the 2x points on all restaurants come in handy. But I also can't justify paying the yearly fee each year just to keep the bonus points. So that's where you all come in if you could help a girl out a bit! lol I understand that most of you don't necessarily keep cards long enough to pay the annual fee. But eventually DH does need to end up with a card for our business and it would likely be easier to keep it longterm just bc of changing automatic withdrawals associated with the business can be time-consuming. But its my understanding that the CIC doesn't have a yearly fee? But then would I lose access to the UR portal? Or if I changed his CSP to a Freedom card? Do I have to keep something in one of our names with an annual fee in order to keep access to a UR account?

Where do we go from here? We essentially have any card, etc at our disposal bc we haven't really churned before, especially me under my name. He is a willing player (P2 if I understand your lingo!) But our longterm goal would be to get enough points to fly to Disney every year to 18 months for the next several years. We are in southeast MO so flying out of STL or Memphis is our best options and I did like Southwest this last trip for the direct flights and no bag fees. Our kids are 6, 5, and 7 months so I can us enjoying Disney for years to come. I don't really see us interested in international travel for some time. Its not really DHs thing. We enjoy vacationing along the Gulf Coast as well so I've looked into the basic hotel chain cards as well.

I know about the Southwest cards, but don't know if I should save those for a year or two from now when I don't already have points in my account. Or do I get them, meet the minimum spend, transfer the points and then be done with them? I'm planning on doing the CIP for our business under my name at some point but again, I don't quite know when to pull the strings. I currently have no recent chase cards, other than a Disney card opened several years ago so shouldn't affect my 5/24. I realize there are some AMEX cards out there but know nothing about them! I'm working on following the thread, but get lost quickly if I'm not on for a day or two or if too many abbreviations are used! lol

Sorry for the many random questions! Any help would be greatly appreciated! TIA!

You can use the UR portal with a freedom or a CIC but you only get 1 cent per point which is the same as redeeming for cash and you can’t transfer to travel partners, you will need an annual fee card to do that. You can have one between you and your DH though and pool your points.

If you goals are Disney flights id stick with the UR cards for now. The next move should be your DH referring you to the CIP then he can downgrade. The CIP referral bonus is 20,000 URs.

After, I’d have him refer you to the CSP and see if you can also get the CSR on the same day. The CSR does have the high annual fee but you can downgrade after the first year and you would be able to “double dip” on the two $300 travel credits.

Also, don’t forget you can use those URs by calling cruise and tours and paying for your total Disney package.

I really wouldn’t worry about Amex cards right now. There MR earning cards are good for international travel or cashing out, but I think Chase would be better for your needs right now.

 

[DaveL]

This is us too. We are a 'training route' so if they are not training anyone, and are short on time, they just don't deliver our mail. It's kind of crazy that it's ok to do that but I guess in an age when so much is done electronically, they figure it's fine.

Also, because we are a training route, we get everyone in the neighborhood's mail, except our own, it seems lol! We always have different people and I see them out there in their truck at sometimes 9pm, with their headlamp, sifting through their bundles. I feel bad for them but I'm always worried we won't get our mail...mostly worry about GC's and new CC's...Back on the old GC thread, I had $900 worth of GC's get delivered to the wrong address. It was a couple of days until my neighbors brought them over to me. I was FREAKING out!!

Back before my DIS days I ordered $1000 of Disney gift cards from Target using Target gift cards and they all arrived un-activated. It was pretty much my word against theirs as they just showed $0 balance and figured I used them. Thought I was SOL with no CC to back me up. Finally got a hold of a special gift card division at Target and they took every cards number ect and worked with Disney to verify they were never active and activate them. That was a stressful week!

 

[WVMomof3]

So I'm currently trying to figure out where I want to fall in the grand scheme of the rewards cards game. I don't think I'm a full-on kind of gal due to having 3 little kids and being self-employed. But after doing some meddling on this thread last year, I signed my DH up for the CIP for our business and we flew to Disney on Southwest for free in May! Thank you all and that was a complete game changer! DH loved the free part and we would not have flown otherwise. We had driven the 15+ hour drive the two years prior to that as I just couldn't justify $1000+ on flights as we are not generally flyers to begin with. (DH and I last flew about 11 years ago. lol) And the CIP was actually a great fit for our business (chiropractic office) and we have enjoyed the actual day to day perks of the card, not just the rewards bonus. So in July, we changed DH's daily personal card to the CSP so that we could get the rewards bonus to use next September (2019) to fly to Disney again. One of our biggest expenses is we enjoy eating out so the 2x points on all restaurants come in handy. But I also can't justify paying the yearly fee each year just to keep the bonus points. So that's where you all come in if you could help a girl out a bit! lol I understand that most of you don't necessarily keep cards long enough to pay the annual fee. But eventually DH does need to end up with a card for our business and it would likely be easier to keep it longterm just bc of changing automatic withdrawals associated with the business can be time-consuming. But its my understanding that the CIC doesn't have a yearly fee? But then would I lose access to the UR portal? Or if I changed his CSP to a Freedom card? Do I have to keep something in one of our names with an annual fee in order to keep access to a UR account?

Where do we go from here? We essentially have any card, etc at our disposal bc we haven't really churned before, especially me under my name. He is a willing player (P2 if I understand your lingo!) But our longterm goal would be to get enough points to fly to Disney every year to 18 months for the next several years. We are in southeast MO so flying out of STL or Memphis is our best options and I did like Southwest this last trip for the direct flights and no bag fees. Our kids are 6, 5, and 7 months so I can us enjoying Disney for years to come. I don't really see us interested in international travel for some time. Its not really DHs thing. We enjoy vacationing along the Gulf Coast as well so I've looked into the basic hotel chain cards as well.

I know about the Southwest cards, but don't know if I should save those for a year or two from now when I don't already have points in my account. Or do I get them, meet the minimum spend, transfer the points and then be done with them? I'm planning on doing the CIP for our business under my name at some point but again, I don't quite know when to pull the strings. I currently have no recent chase cards, other than a Disney card opened several years ago so shouldn't affect my 5/24. I realize there are some AMEX cards out there but know nothing about them! I'm working on following the thread, but get lost quickly if I'm not on for a day or two or if too many abbreviations are used! lol

Sorry for the many random questions! Any help would be greatly appreciated! TIA!

I think your first step is to have DH refer you to the CIP. 100,000 URs for it! (20,000 referral and 80,000 sign up for you). DH can the cancel his CIP if you want and have him apply for the CIC or the CIU. I am not sure what bills you pay with the business card, but the CIU may be best with the 1.5%. I would have him also refer you to the CSP and then also apply for the CSR the same day if the double dip still works. Then have him downgrade his to a Freedom or Freedom Unlimited. I know the big fee is scary, but redeeming through the travel portal at 1.5 redemption rate goes a long way to make up for it! After a year you should downgrade your CSP, but I would keep the CSR. It is that worth it, and your DH will be locked out of it for 48 months after his bonus on his current CSP posted. This may take several months to go through these cards, then I would think about the SW cards if they make sense at that time.

 

[kidsfirsttrip]

Another AMEX lux DP. So I charged my Swan Feb 2019 Ressie for one night to my newly upgraded Amex Lux. The total was $341. I then canceled it under my name and booked it under DH instead because I remembered that he had the Marriott $60 off $300 spend. What I forgot is both of my cards still had the SPG spend $300 get $60 offer that expired over the weekend.

The $60 off hit both charges! One I’m sure will be clawed back once the cancelation goes through. However the $300 credit hit also in spite of the charge being $341. I’ll keep you posted what happens when the second charge is refunded but right it looks like my room was -$20. I also still have the Marriott deal on x2 cards and since the merger it should work with a Swolphin booking.