I love credit cards so much!

[pillow]

No CCs. Yes, thinking I should just mail a check.

Do you use Plastiq? I would buy a MasterCard gift card at Sam's Club (2% back on Dosh app) or the grocery store (or anywhere that doesn't send up level 3 data to Amex). Then use the Masterpass promo to pay via Plastiq for free.

Edited - or maybe call the school and ask them to move the scholarship funds up to this semester instead of splitting it?

 

[Haley R]

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

Yep you are correct lol

 

[Haley R]

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

I’m thinking you’re right. Can you imagine what would’ve happened if someone took them right when they released them?

 

[gottalovepluto]

Thanks for trying to make us "slow churners" feel better. I'm really wishing I had got into this game a few years ago. Just seems like everything's getting more difficult now. Although I know there's still lots of good opportunities to earn points. I just wish my DH would get onboard, it would help a lot! And I wish Nov 2nd would hurry and get here! That's when I plan on applying for the CIP.

I feel the key in this game is to just keep moving forward https://giphy.com/gifs/haters-teen-titans-go-liz1CsrJ5cF5m (what the? Idk where that web title came from this is 100% a Meet The Robinson’s thing...)

ETA: upping my tech savvy! Links are so 5 mins ago

 

[gottalovepluto]

My current dilemma...I have about $2,200 left on my CSR MSR... With all this scrutiny around double dips...should I just hit that MSR ASAP before I get a card closed, lol. I hope they won't go back a month and cancel cards of folks like that...but you never know.

TBH yes. In your shoes I would hit the MSR asap. (I am an on the record scaredy cat though.)
ETA: I now see I’m not the only scaredy cat around here

 

[amalone1013]

I feel the key in this game is to just keep moving forward https://giphy.com/gifs/haters-teen-titans-go-liz1CsrJ5cF5m (what the? Idk where that web title came from this is 100% a Meet The Robinson’s thing...)

Haha I was like wow, teen titans.... blast from the past for me! Tho i think they're making a come back?

 

[gottalovepluto]

...even the eternally optimistic SFF has been rattled a little.

 

[kmc8826]

Finally caught up after being off and on all day. So sorry for those who just have or were going to double dip. That is the worst and way discouraging.

I think the rules are only going to keep increasing with Chase (I can see them not wanting people to have all 3 Ink cards). All of it makes me feel better about spontaneous decision this past weekend to get the Arrival. It also makes me a worry a little more about P2’s CIU bonus being MIA. (Even though we did nothing wrong other than meet spend in less than a month).

 

[wendow]

Edited - or maybe call the school and ask them to move the scholarship funds up to this semester instead of splitting it?

This is a good idea if the school is willing and the scholarship can be allocated like that.

Otherwise, I wouldn't mess with Plastiq at this point. Last year, when the school district was paying for my dd's college but we still had to cover fees, we never got the bill. We missed the deadline to pay (early Sept) by a couple of days and we got stuck with a hefty late fee. Nothing I said to them would get them to take it off. I was so annoyed cause they had a problem with the high school students' bills going out so they knew we may not have received them...Anyways, since then I make sure to pay and pay early. East coast schools start much later than us so maybe there is still plenty of time for plastiq. Idk?? My dd's tuition was due 9/5.

 

[gottalovepluto]

you should do the chase pay @ Best Buy and earn 6x on both cards. dunno if they have target cards though.

No Target (at mine at least) Fwiw stacked with the Swagbucks offer for 950 SB with a $100 BB purchase combined with that Chase offer looks sweet- I attempted it tonight!

 

[gottalovepluto]

I swear I'm legit.

Not with that name you aren’t!

 

[wendow]

Finally caught up after being off and on all day. So sorry for those who just have or were going to double dip. That is the worst and way discouraging.

I think the rules are only going to keep increasing with Chase (I can see them not wanting people to have all 3 Ink cards). All of it makes me feel better about spontaneous decision this past weekend to get the Arrival. It also makes me a worry a little more about P2’s CIU bonus being MIA. (Even though we did nothing wrong other than meet spend in less than a month).

Agree. Trying not to be a Debbie Downer but I see the 48mo rule coming sooner rather than later for the Ink cards and limiting those to 1 pp.

I'm with @SouthFayetteFan in that this news has upset me more than other changes chase has put into place (well, this and the 48mo on the Sapphires). UR's and RR's are my comfort zone. I know how to use them and I'm honestly scared of other points, like MR's. I'm trying to accumulate them cause I know I need to branch out but I'm pretty reluctant to do so. And then the only way I can think to use them is to cash out. The redemption of those points for flights or rooms just doesn't seem to jive with our way of traveling.

 

[gottalovepluto]

*ahem* Disney Gift Card Deals thread. RIP so many great deals.

RIP EBay died before I got my brain around it... GameStop was never a good idea let’s be honest... (but I still laugh remembering those on the thread who became total game churning HUSTLERS! Towards the end of finishing off left over GS gc I recall some were turning profit on selling GameStop games to BB!)

 

[wendow]

RIP EBay died before I got my brain around it... GameStop was never a good idea let’s be honest... (but I still laugh remembering those on the thread who became total game churning HUSTLERS! Towards the end of finishing off left over GS gc I recall some were turning profit on selling GameStop games to BB!)

I remember that. It was hilarious. I never did it but yeah, some had gotten pretty good at checking values and then buying at GS to sell over at BB. Someone was helping everyone check values. It's right there but his username escapes me.

 

[afan]

I've fallen down the MyFico forum rabbit hole again when checking to see if there was an update about the guy upset that Citi denied him. Tonight's reading - you'll need to cut and paste to make it work - https://ficoforums.myfico.com/t5/Credit-Cards/Citi-closed-all-my-credit-cards/td-p/5355213

It's about a guy that had all his Citi card accts closed for hitting them too hard and too fast. I know it's not an issuer a lot of people look at here unless they are lol/24 but thought I'd post it anyway. Also interesting to see this comment in the thread 'Although PIF may advocated by some people on this forum, others of us think it is unnecessary and that it can cause problems. It most certainly is not the official position of this forum.'

I have realized the forum seems more geared towards improving your score whether rebuilding or just in general which given the name makes sense. It's way less about churning for travel in general and almost for some just seems to be look at what I collected and my limits. I say this because signatures contain mini pics of each card, often with the limit told if you hover. I see them almost the polar opposite of r/churning and the advice and stuff is so different from what we'd find here that it's fascinating. Some of the store card cl's though

ETA - it's turned into a debate about PIF because some thought it meant before the statement dropped while others thought before the due date. So they don't actually advocate interest just sometimes reporting balances. Oiy the people.

 

[gottalovepluto]

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?

Worth a shot. I avoid it like you said but without other decent options it’s a good call! Yeah, the timing is tight, I guess a new account will only work if you can verify instantly which is a total crapshoot. If the transfer doesn’t work get on the phone with Chase and see what you can do immediately. Usually people work it out in the end but it takes time, often by calling the other bank and having a 3 way convo. The worst that happens is Chase denies it, you call and can’t work it out, don’t get the funding in time so you close the account and wait for the clock to reset before trying again. Bank clocks reset a lot faster than cc clocks!

 

[gottalovepluto]

I've fallen down the MyFico forum rabbit hole again when checking to see if there was an update about the guy upset that Citi denied him. Tonight's reading - you'll need to cut and paste to make it work - https://ficoforums.myfico.com/t5/Credit-Cards/Citi-closed-all-my-credit-cards/td-p/5355213

It's about a guy that had all his Citi card accts closed for hitting them too hard and too fast. I know it's not an issuer a lot of people look at here unless they are lol/24 but thought I'd post it anyway. Also interesting to see this comment in the thread 'Although PIF may advocated by some people on this forum, others of us think it is unnecessary and that it can cause problems. It most certainly is not the official position of this forum.'

I have realized the forum seems more geared towards improving your score whether rebuilding or just in general which given the name makes sense. It's way less about churning for travel in general and almost for some just seems to be look at what I collected and my limits. I say this because signatures contain mini pics of each card, often with the limit told if you hover. I see them almost the polar opposite of r/churning and the advice and stuff is so different from what we'd find here that it's fascinating. Some of the store card cl's though

ETA - it's turned into a debate about PIF because some thought it meant before the statement dropped while others thought before the due date. So they don't actually advocate interest just sometimes reporting balances. Oiy the people.

Something else is going on there. If it was too many cards we’d have DPs all over r/churning. Either OP isn’t willing to own up to it or OP doesn’t know about it or Citi is mixing OP up with a person on the their blacklist.

 

[Mopedmom1]

Puts on tin foil hat

So I bought $2k worth of VGCs from our grocery store tonight. (I needed some more fuel points anyways).

That leaves me needing about $50 on both my CSP & CSR to hit the MSR. Tomorrow or Friday I will go buy a $150 target GC at the Grocery Store...split it $75/$75 on both cards so that I meet the MSR on both cards on the same exact transaction at the same exact time. And then I will cross my fingers and hope for 100k URs LOL!

Paranoid...yup that's me.

I did the DD 5 days after you and am also QUITE paranoid about getting both bonuses. I am going about the MSR totally opposite from you though. I have about $600 left on the CSR and haven't even begun the CSP yet. I need to wait for car insurance and taxes in early November.

What is your best educated guess on meeting the MSR'S? Should I carry on, completing the CSR first, then go on to the CSP. Or should I try to meet both spends around the same time, keeping in mind there is no way this can be accomplished before early November? My thinking on doing only one spend at a time is, if Chase decides to shut down one card they would probably close the card that has no spend on it. It was also the second in the DD and the one I would rather lose if need be. Ugh, I pushed up my DD date because I had a feeling, and now I just feel sick to my stomach, waiting for the hammer to drop. Just thankful it was my account and not my semi reluctant P2.

 

[Albort]

hmm, other group reports plastiq + master pass is charging ppl. promo ended early? I just tried it for $250 and it is charging me.

:-/.

 

[SouthFayetteFan]

I did the DD 5 days after you and am also QUITE paranoid about getting both bonuses. I am going about the MSR totally opposite from you though. I have about $600 left on the CSR and haven't even begun the CSP yet. I need to wait for car insurance and taxes in early November.

What is your best educated guess on meeting the MSR'S? Should I carry on, completing the CSR first, then go on to the CSP. Or should I try to meet both spends around the same time, keeping in mind there is no way this can be accomplished before early November? My thinking on doing only one spend at a time is, if Chase decides to shut down one card they would probably close the card that has no spend on it. It was also the second in the DD and the one I would rather lose if need be. Ugh, I pushed up my DD date because I had a feeling, and now I just feel sick to my stomach, waiting for the hammer to drop. Just thankful it was my account and not my semi reluctant P2.

I am hesitant to give any advice...it’s just such a fluid situation.

If pressed I almost want to say everything will probably be fine regardless of what we do. Maybe...