I love credit cards so much!

[wendow]

I am hoping to sneak in my family room and study so then the house will be complete. The 1st floor will be more work since we need to refinish the other rooms so that the stain color is consistent. I finally convinced DH we should enjoy them for the next 6 years before we sell when DS graduates.

We had our main floor done. Sanded down all the golden oak and then had the carpeted rooms replaced with new wood, which was 'laced' in to look original. Then all was stained to match. It is gorgeous and while we do plan to move in about three years, I am so glad we did it so we get to enjoy these floors before selling!

 

[Albort]

For those who either upgraded their SPG personal to Lux or even considered it...what was your offer? I think @MrPTato, @Judique, @CyndiLouWho? Any chance it was 100k after $4k spend? I have googled it and looks like the common offer was to spend $5k if getting the 100.

I swear my offer was spend $5000 in three months and get the 100k bonus points. I have been plowing through on it while at the same time working on my BGR. From my math which I have kept up on and double checked I still have about $2k on the BGR and $800 on the Lux. Tonight I got on the app to check and my $100k points have posted on the Lux. Double checked that it was not just on the app but on the actual Marriott account and it is there (100,000 bonus Lux posted 10/11). Any ideas? Should I keep going and meet the $5000 I was planning on or do you all think I am good now? If I don’t need to spend on the Lux I will definitely back off so I can finish the BGR and then get going on the personal Gold when it arrives. Not to mention the general “Amex don’t hate me I will spend a little on all my cards” plan. I am not complaining but it is a weird problem to have.

mine was $5k in 3 months for 100k.

 

[MrPTato]

For those who either upgraded their SPG personal to Lux or even considered it...what was your offer? I think @MrPTato, @Judique, @CyndiLouWho? Any chance it was 100k after $4k spend? I have googled it and looks like the common offer was to spend $5k if getting the 100.

I swear my offer was spend $5000 in three months and get the 100k bonus points. I have been plowing through on it while at the same time working on my BGR. From my math which I have kept up on and double checked I still have about $2k on the BGR and $800 on the Lux. Tonight I got on the app to check and my $100k points have posted on the Lux. Double checked that it was not just on the app but on the actual Marriott account and it is there (100,000 bonus Lux posted 10/11). Any ideas? Should I keep going and meet the $5000 I was planning on or do you all think I am good now? If I don’t need to spend on the Lux I will definitely back off so I can finish the BGR and then get going on the personal Gold when it arrives. Not to mention the general “Amex don’t hate me I will spend a little on all my cards” plan. I am not complaining but it is a weird problem to have.

I was a new app and not an upgrade...sorry.

 

[wanderlust7]

I changed my mind about the VRBO I booked and will be getting a refund. The charge was part of my MSR for CSR. The points already posted and I've basically used them all. There are still points in my account though since I transferred over DH's points. Wondering how concerned should I be on remaking MSR?? Will the points be clawed back if I don't?

 

[calypso726]

All this talk of AMC Theaters! Did you know that you could be earning at least 5 United miles per dollar spent on AMC GCs on the MPX app? Occasionally more during holiday promotions. +25% bonus miles if you’re a MileagePlus credit cardholder. You can purchase AMC GCs in exact amounts almost instantly after you get your total due at the ticket booth and concession stand.

This is good to know. Our local theater is a Paragon brand so no 5x via MPX. We used to purchase Fandango GCs at office supply stores for 5x UR with the Ink+. Last December we got Movie Pass and have gotten tremendous use out of it despite all the changes they've undergone. Their business model didn't seem sustainable and we won't be re-newing it this year. I'll go back to Fandango GCs for 5x.

We tend to wear coats to the theater and cram as much stuff as we can in every single pocket.

In Florida we'd look suspicious with coats. The blankets come in handy for that though. We fold in a bottle of Bai Cocofusion into the blanket and whatever else we may want to bring in to the theater and we are good to go.

 

[palhockeymomof2]

I have trouble staying asleep. I'm usually up at 3. I always curse this site when it goes down for routine maintenance in the middle of the night. I read old threads as time killers.

Then I go back to sleep an hour before my alarm.

Regarding those rose gold ears @Albort posted - It's my mission to track down a pair this trip. I've never been able to find them in the parks yet!

The end of September they were in every park...first trip I saw them

 

[Alice Sr.]

I ‘liked’ your post in just a cyber hug kind of way. I hate to hear you have the same sleep struggles. It stinks big time!!

I'm great with 5 hours, have never really had issues until about 6 weeks ago. I am beginning to think it is a new supplement, which is a bummer because I really like it.

Thanks! So I should self-refer for the bonus points. I’ll wait to see how much this flooring project is going to cost.

How do you self-refer?

 

[tink1970]

Should I keep going and meet the $5000 I was planning on or do you all think I am good now?

In the old days, I'd say if the points have already hit the co-brand you're safe. Now it seems Amex is getting more stringent (and Marriott is still a little squirrely after the merge) so I'd finish up the $5k spend, probably in an abundance of caution but no sense in being so close then having Amex claw them back.

since no more GC > GC, not as much incentive to shop there often for their deals.(yep after 15 years, finally a little salty towards Target) I wonder how many of these letters they've sent out in the last few months

I haven't received one, but that's me, too. I was there almost daily before our new Publix opened 2 blocks away. Now I'm like "drive ALL THAT WAY? (4 miles) The horror!" Their killing the GC>GC didn't help my loyalty either.

Christmas is coming early! DH has gifted me my hardwood floors! Now to pack up the rooms, locate someone to install them and most importantly make sure the flooring company and installer take AmEx so I can complete my Plat MSR! They are beautiful 5 in hand scraped hickory pre-finished for our 2nd floor...so excited!

CONGRATS! Hardwood floors are awesome!

I am so glad we did it so we get to enjoy these floors before selling!

Smart! We didn't-bought a new house (with hardwood), refloored our other house and I was so bummed because it was perfect after that. Sigh...Anyway, you're smart

In Florida we'd look suspicious with coats.

Ugh, just had a Paul Rubens flashback!

 

[DisneyMandC]

Remind me: if I PC any CSP to a CFU, does the card number stay the same? And I can keep using the CSP until I receive the CFU?

 

[havaneselover]

Remind me: if I PC any CSP to a CFU, does the card number stay the same? And I can keep using the CSP until I receive the CFU?

Correct

 

[Lain]

How do you self-refer?

So you have an Amex Platinum. That means from your Platinum (and any Amex self-branded card) you can generate a link to self refer yourself to almost any Amex self-branded and co-branded card, with few exclusions.

Because the Platinum offers one of the highest referral bonuses at 15k MR per approved card, it makes sense to refer “from” that card. From your Platinum, generate a referral link, then open it in a new incognito window. At the top, you should see a drop down menu to “View all Cards with a Referral Offer,” click “Looking for a Personal Card,” click “Reward Points,” and as an example you should see the 50k MR Gold card. You can use this trick and click through the different cards to apply for almost any of Amex’s cards, and pocket the referral bonus from the card whose link you used to refer — even if that card was your own. So, if you refer “from” your Platinum, you’d earn a 15k MR referral bonus (capped at 55k MR/year) for an approved card, whether the new card is for you or someone else. By comparison, the Amex Gold earns only 10k MR per referral. Because referral bonuses on MR cards tend to be capped at 55k MR/year, making three referrals from the Platinum would get you to 45k MR, and your fourth referral would get you only 10k MR. Similarly with the Gold, after five 10k MR referrals, your sixth referral would just be 5k MR. So keep track of your referral limits so referrals aren’t wasted.

In the future, you should always refer yourself and others to any Amex card from your Platinum support link, unless you’re maxed out of referrals on the Platinum, then generate links from the card that gives you the next most valuable referral bonus. However, keep in mind that sometimes the welcome offers available through a referral link may not be the best offer, but could be a very good deal if you add 10k or 15k MRs from the self referral. Always compare this with the possible targeted and incognito offers for the best deal.

 

[hsmamato2]

se we self referred from Dh's BCP to get DS the BCE- the $75 is already on the acct but now I'm wondering how long I have to wait for a refund of the AF? I PIF on Oct 4, do I need to wait for another stment close to see that $95 back?

 

[Oscar Madison]

I decided to use my Amex offer for $10 off $50 for Walmart grocery. The Walmart grocery stores are about a 30 min drive from me but I figured the offer plus using a $10 off first order promo was worth it. $20 off my groceries is pretty good. Also, Walmart grocery is so cheap. Even without the offer I may make this my regular grocery store. Does anyone order from here? Is the produce/meat good quality?

We buy meat/produce from ALDI, use walmart grocery pickup for most everything else because of the price, then hit Sam's for some bulk items.

 

[Oscar Madison]

I know you can use CIC w/ PP on Gyft to get the 5X on giftcards. My question is if I buy a Walmart giftcard thru Gyft, can I use it to pay for gas at a Murphy gas station? If so, how does one pay for gas with an egiftcard in an app?

 

[Oscar Madison]

Disney giftcard are all 8% off on BJs website free shipping. I paired it with freedom offer.

Also had good luck using “happy guy” giftcard at HD for a Disney giftcard. Got 20% off that one with stop and shop coupon.

Finished MSR on my Lux. Points already posted! Just got my JetBlue biz - will meet the 1k spend with the Plastiq mastercard promo. DH got approved today. Next step is CIP next month for Dh and a CIC for me after the new year. Then we will both still be at 4/24 and can figure out next move.

Not familiar with BJs. Do you need to be a member to buy online?

 

[striker1064]

DISchurners Reminder...

I was doing some random checks tonight and noticed that some folks have expired links out there. Could everybody just take a few minutes this weekend or next week and check all of your links in all 3 threads. For those in the Chase thread, please remove your Freedom links, they are all dead!

I am trying to remember, as long as the link still works, it will generate a bonus, right?

I haven't had a CSR in months, but I saved the link, and it continues to look just fine when I click it. But if that's no longer the case I definitely don't want to leave it up.

 

[pillow]

I would use the CSR for dining over SPG. I value UR's over SPG points.

For groceries, I currently use the Amex Blue Cash Everyday. It's 3% cash back on groceries. It has no annual fee. There is also a Blue Cash Preferred. It earns 6% cash back on groceries (up to 6k annually in groceries). The annual fee is $95. I had the Preferred for several years and pretty much maxed out the 6k every year, earning $360 in cash back. Then i began this CC churning hobby, and I now have a constant MSR to meet, which means I was no longer using the Amex BCP as much. I felt it was no longer worth the annual fee so I dropped to the BCE.

Check your BCE for an upgrade offer to BCP. Was just reading that there are some good offers floating around. I had one that waived the 95 fee for a year. I need to go back and see if that offer has changed.

 

[calypso726]

Not familiar with BJs. Do you need to be a member to buy online?

Nope and there are/were some Amex offer for an extra MR per point. You also may be able to get additional miles by going through a shopping portal first.

ETA: Apparently now you do need a membership. Well, it seems there is one constant and that is that things change.

 

[Oscar Madison]

Same with my Stubbs card. I only pay $10 year to have that and I consider money well spent! And really, with the rewards it earns, it pays for itself.

I thought the Stubs Premiere was $15? I haven't done the upgrade, but sounds like it's worth it.

 

[hsmamato2]

Nope and there are/were some Amex offer for an extra MR per point. You also may be able to get additional miles by going through a shopping portal first.

I just looked at the BJ site and I think that's changed...it made me sign in to see the prices... (it's easy to get a free temp membership here)