I love credit cards so much!

[Albort]

I don't MS a lot since so many avenues have closed but you have the general idea. I make it out to myself and deposit. My bank is a small local bank and iif they shut me down its not a big deal to me. Wal-Mart seems to be catching on because many in my area are asking to see the card you're using.

Any thoughts on changing your name to "Especially for you?"
i havent tried this but u can go down the gcm, earn 3x with CIP, have your name on the card and try again.

I buy MOs everyday, pretty much. They don’t ask for my name. I deposit them blank. I go to a few stores but I hit Walmart pretty much every day. I depsoit the MOs into a PNC account that I got for the bonus. It’s not my main bank. I’m doing this to help meet a ton of Amex MSR.

ymmv on area, in Los Angeles/Orange County, ive been asked a few times... if ur lucky u got a good area!

Are you doing mobile deposit? I was going to go that route but the terms say no MO via mobile. Thought about trying it...

Some do take MO via Mobile deposit, i know wells fargo does. If u want a list, there is a list out there...

Do any office supply stores sell Walmart GCs?

gyft.com via paypal does. U heard nothing from me...

 

[Lain]

Do any office supply stores sell Walmart GCs?

Does anybody know of anywhere that sells Walmart gift cards? I gotta be honest, I'm not sure they even participate in anything like that (but I could be wrong). I'd assume that neither Walmart nor other retailers are interested in partnering with each other.

I can’t recall seeing Walmart gift cards in office supply stores. Gyft sells Walmart eGift cards in denominations up to $250.

P.S. Jinx, @Albort.

 

[mmmears]

Finally read back far enough to catch this bit of good news!

Congratulations!

​

You’ve been asking about how to get targeted, tricks to increase your chances of pulling the 100k offer, and there it was waiting for you all along! I know you love your MRs, so I’m really happy for you that you got this awesome offer on the Platinum.

I know, I feel so silly now. I didn't suspect I'd get the targeted offer since I have been an AU on DH's card since we got it years ago. And I didn't want to check until we were ready to grab it if it came up. I do like the MRs. I honestly don't know enough about the URs to like them or not since we don't have any. Hopefully we will get the bonus we spent for and we will do something fun with it and learn to like them, too. But until that bonus posts I'm not likely to sign up for any of their cards.

I'm new at this and still learning. Thanks for all the help!

 

[gottalovepluto]

i bug my friend here and there for flight searches, turns out he hasnt used it for awhile so now we decided to split the cost of it. I think its time one of us DISers need a subscription to it.



ExpertFlyer is a website that allows you to search for awardspaces and the # of spaces available. This applies to upgrade seats and award seats. it also lets u set a alert to see if the seat u wanted is available to. Its expensive for people who dont travel though. $10 a month or $100 a year...

Rofl, I literally just bought the $10 one for the month today. I’m constantly checking flight seat configs right now for Q-Suites & got very annoyed at running out of searches! Hopefully I have my flights in the next month, then I’ll let it go as I don’t see having much use out of it beyond that. Happy to help anyone who needs it if they tag me in the meantime with a specific request. (Might need to be patient, I’m traveling the next couple weeks. DLR in a week!!!)

 

[miztressuz]

Do any office supply stores sell Walmart GCs?

I haven't found anyone to sell WM GC's but WM. I don't think they participate in the GCM network that most stores are using for 3rd party cards. I don't look on a regular basis, so my last real search looking for a discount was for Christmas gifts last year. I ended up at WM to get them, fortunately it was CF's category so I still got something out of it.

 

[gottalovepluto]

I can't figure out how to send money to my Chase savings account. I thought I could transfer it from Capital One to my Chase checking and then transfer it to savings, but then it's not new money. I can't link my Capital One account to the Chase savings account. I can only mobile deposit $5,000 per month into Chase and there are no ATMs close enough. My only option seems to be to spend $30 and wire it--I'm not sure it's worth it.

Ack! So not worth it. 2 options:

-Make the link work (will Cap1 not link to Chase or visa versa? We can try to work this out for you)

-Use another bank! Cap 1 -> 3rd bank -> Chase

 

[Haley R]

Get the CIC with the 50k UR signup bonus. CIC earns you 5x UR (worth 5% cash, or 7.5% when redeemed for travel) at office supply stores, which sells Target gift cards, and on Gyft, which sells Target e-gift cards, when checking out with PayPal. I've sockdrawered my REDcard.

Thanks that's a good idea. I think we will either go for a CIC or a Hilton card next. Or both?

 

[Haley R]

That's always so subjective. Personally I like the biggest discount I can get, that leaves more money in the budget for other parts of the trip if it's not spent on this part, right? In general that's what I go for.

However, when it's this close, there are times when going for the short term "loss" gains you more later if you have a particular redemption that needs UR points. If that extra couple hundred (or thousand) points from charging a Disney resort purchase hits a threshold that now saves you hundreds on a flight (or something) it might make sense to do that rather than save tens from the DGC purchase. I think it's specific to each situation. For me, I'd run the numbers with the total volumes you're looking at.

So an extreme example, I think @calypso726 threw out a $25,000 Disney number once while explaining why she goes more for UR than small discounts. If you did that at Target 5% off gift cards, you've banked $1,250 in savings to be applied elsewhere. But if you instead bought the same amount of DGC's at a store with a 5x UR rewards category, that's now 125,000 UR with the same base value ($1,250). But this turns into $1,875 in value if used through the portal with a CSR, and probably a lot more if transferred to a partner. Thus, depending on your goals, it can make sense to "forego" the higher discount in the right situation.

That's extreme but that's why I suggested you run numbers on your particular volume. It might be a wash and you go for Target as it is just easier to account for (or you find out you only need 600 more UR to get a flight on Air Force One (or Space X, what's cooler now-a-days? ) and so the CSR CIP? wins this one, hehe)

Edit: I think you don't have the CSR yet, right? My dossier's are not at Lain level...

Dh has the CSR.

 

[gottalovepluto]

Yes, it says it can only add checking accounts when I go to "Manage External Accounts." This is what it says:

• Your link must be a personal checking account, not a brokerage, money market or savings account - institutions put restrictions on these types of accounts that prevent electronic transfers

Ah! Ok. 3rd bank is your only option then. Do you have a 3rd bank? If not check out DoC’s list for one with a bonus or look into a hub account! Ally is my hub, I’ve had no issues & can link up to 20 accounts there, there are a couple other banks who make good hubs as well. Get on it fast, I think you have 10 business days?

 

[Artygal90]

My refund from my failed Plastiq payment hit my account and now I've got -747 UR points spending on my next statement D: So does this mean that as I put more spend on the card and work down the statement credit that negative balance will slowly go to 0 points pending?

 

[miztressuz]

Dh has the CSR.

Ok, that's right, he did get; I second guessed myself. So that's 2 CIP's and a CSR now... just gotta find that pencil, mental notes are not what they used to be

 

[Lain]

My refund from my failed Plastiq payment hit my account and now I've got -747 UR points spending on my next statement D: So does this mean that as I put more spend on the card and work down the statement credit that negative balance will slowly go to 0 points pending?

Yes.

 

[Lain]

Ok, that's right, he did get; I second guessed myself. So that's 2 CIP's and a CSR now... just gotta find that pencil, mental notes are not what they used to be

Or a spreadsheet.

 

[gottalovepluto]

Ok expert advice from you big travelers here please.... on our return flight home from HI,we land in LAX at 12:24 a.m.- our flight to east coast leaves at 6:15(ish) a.m.- wwyd? I'm considering a hotel room,but it would be for about 4 hours tops and we prob won't sleep anyway...or just hang out and wait. I don't think any PP lounges are open that early..... what to do? I can easily book a free night at the IHG next door to airport.... but I feel like its a waste of points

Imho book it. Coming off that flight will feel like 9pm and you board your east coast flight at basically 3am to you. Crappy hotel bed > airport chair- especially with a cross-country flight coming up. Even if you just get showered and stretch out on the bed and watch tv it’ll beat the pants off LAX.

ETA: just remembered I just got back from my 2nd trip in LAX T8 in the last couple months- those chairs SUCK. SO. MUCH. In all of my life I have never sat down in more miserable chairs. Give me the 4 year olds pre-school chair at back to school night! Seriously. It looks kinda padded and you sit and it feels like you plopped down on metal. Those T8 (idk the other terminals) chairs are from you know where! I literally bought a glass of wine from the bar so I could sit in a more comfy chair while I waited- yes I could have bought a soda but that’s not the point here ) If that’s where you are overnighting run, do not walk, to a nearby hotel!

 

[gottalovepluto]

...Does anyone know if the expert flyer fees would code as travel if I put them on my CSR?...

Dangnabit, that literally didn’t even occur to me. Stuck the $10 on my CFU...

 

[miztressuz]

Ack! So not worth it. 2 options:

-Make the link work (will Cap1 not link to Chase or visa versa? We can try to work this out for you)

-Use another bank! Cap 1 -> 3rd bank -> Chase

Not sure about the timing for using a 3rd bank. It is 10 business days for Chase, but if you have to do verification deposits and transit days I think that cuts it close. Even for ours earlier this year using just CO360 I think it was 5 biz days. If you have to daisy chain probably need to start it first day or two to make sure if doing regular transfers.

How often does Chase go crazy on a pull? I see the horror stories on bank bonus thread where most everyone suggests to push into Chase, including yourself I believe, but in this case would it be worth a shot to try to pull it from Cap 1?

 

[wendow]

-Use another bank! Cap 1 -> 3rd bank -> Chase

This is what I had to do when Ally would not play nice with PNC
Ally > Chase > PNC

That was for my dd18's account. I am thinking of funding another PNC for myself using my Marriott biz and finish off that spend. Have a feeling I'll be using that work around again...

 

[gottalovepluto]

Sapphire double dip is dead? I’m going to cry. I shouldn’t have waited to try and get the CIC before I went for it. It’s time for me to just move on from Chase there are other good bonuses out there.

yes there are! Post 5/24 land is a different but still beautiful place!

 

[gottalovepluto]

...I was not able to set up alerts for our outbound flights on Swiss to see if first opens up...

You booked on UA right? My understanding is don’t bother. You can’t book Swiss first with UA miles. https://www.google.com/amp/s/thepointsguy.com/guide/search-star-alliance-availability/amp/ You can book Lufthansa first but only at 2 weeks from departure.

 

[gottalovepluto]

Lol thanks. 57 minutes later and I finally got things fixed, but I don't think I'll be leaving the country again any time soon. Someone clearly doesn't want us going to Japan! The guy had to cancel Dh's reservation and somehow magically was able to make him a new one. We are on the same flights and everything and I have our seats picked out, but it was weird that he told me at the beginning there was no availability and almost an hour later was able to find something with his supervisor. I'm not sure I will ever use Virgin again. I haven't had that bad of problems with Frontier

Tbh my guess is they had to contact ANA so that even if they had to release the seats they could instantly get them back. But what a nightmare!! Omg. VERY happy you made it though- it will definitely be worth it