I love credit cards so much!

[palhockeymomof2]

Too much available credit and business is too new. I reduced limits twice now. The second time all my personal cards are now at like 2k each. Way below 50% of household income. The most recent application gave me the two week notice so I thought I was approved then it changed to 7-10 days. I got the two personal Southwest card last year so I can’t get those again but SO is going for the companion pass. I could always use an extra 60,000 points tho.

Agree We always seem to use our RR points up...

 

[platamama]

Too much available credit and business is too new. I reduced limits twice now. The second time all my personal cards are now at like 2k each. Way below 50% of household income. The most recent application gave me the two week notice so I thought I was approved then it changed to 7-10 days. I got the two personal Southwest card last year so I can’t get those again but SO is going for the companion pass. I could always use an extra 60,000 points tho.

Pure speculation here, but I think maybe Chase is more lenient with the SW cards and you would have a better chance with the SW Biz over the CIC. DH got approved last week for his 1st Chase Biz card (CIP, referred by me) but it wasn't instant. Ok, it took 24 hours. But I got instant approval on my SW Biz and it was my 3rd Chase Biz card for my "business."

The only thing I would hesitate about getting the SW Biz is what are your CP plans after your SO's CP expires? Will you be going for a CP after him? Would you cancel the SW Biz next year so that you can apply again in 2020? And would you be ok if that didn't work because Chase decides to impose new restrictions between now and then?

 

[Ava]

How to choose..... My RMN award on my latest Staples buy just posted and I moved to Paypal. I see the offer again in RMN so going to do this again. With the last one I used Hilton Biz with the 10% AMEX offer. I could use CIC for 5x UR. If I do the math - CIC = 75 * 5 =375 points * 1.5 = $5.62 cash equivalent (moved to CSR). 10% AMEX = $7.50 cash. Seems better to stick with AMEX at least until I max that out. Which brings up another question - how do I see how much I have used on that offer? Is there some sort of tracker on AMEX?

If you log in to your AMEX account, in the section where you add the offers to your card there should be a tab that says “Saved” or “Redeemed” (can’t remember which it is). Click on that and it will show you your total $ saved via offers on that card, and a list of each transaction that triggered an offer.

 

[amalone1013]

Is anyone having trouble logging in to Marriott?

 

[Alexle2007]

Chase Pay 5 x to get 1500 URs. Seems like this is saying just for the CFU and CSP.
https://www.doctorofcredit.com/chas...points/?utm_source=dlvr.it&utm_medium=twitter

It's definitely on the CSR. I just received an email today from them about it.

 

[FloridaNative8]

OMG! I adored that movie and Fievel! I had a stuffed Fievel too and was quite smitten with that toy. Oh thanks for the memories and nostalgia

Another huge fan of Fievel here!! Oh my word, hearing "Somewhere Out There" still makes me teary eyed. And I say "Wewease the secwet weapon!" whenever I get a chance

 

[PolyRob]

It's definitely on the CSR. I just received an email today from them about it.

I got the same e-mail for the CSR

 

[platamama]

Torn between AMEX Gold and SPG BIZ. Not really certain that I could get the biz. I do have the CIC as my only business card.
What's the difference between Starriott points and MR?

Starriott points can be used for 1) Starriott hotel bookings or 2) transfer to 40+ airlines at a 3:1 ratio with a special bonus 5K air miles when you redeem in a 60K point chunk.

MRs can be used for just about anything, including transferring 1:1 to Starriott. Cash out at $.006 pp (not recommended) is an option.

Not sure of your x/24 status and if you want more Chase cards. The SPG Biz would not count toward 5/24 whereas AMEX Gold would.

Amex Biz cards are easy to get.

 

[Oscar Madison]

Think this should be the right place to get help.
I receive a paper check but will move to Direct deposit. Are there any bonus I can earn for opening an account?
I currently bank with Chase as primary and have accounts at Citi and HSBC.

https://www.doctorofcredit.com/best-bank-account-bonuses/

 

[Albort]

I have the SPG Lux offer, but am not thrilled about the AF of $450.

100k points + $300 credit, brings your AF down to $150. isnt too bad. but thats just me lol.

Chase Pay 5 x to get 1500 URs. Seems like this is saying just for the CFU and CSP.
https://www.doctorofcredit.com/chas...points/?utm_source=dlvr.it&utm_medium=twitter

unsure if its targetted or not. the last chase pay offer was not targetted though, would wait to see if it is if u didnt get the email.

Is anyone having trouble logging in to Marriott?

i had a login error but it eventually let me in to play the 29 ways matching game.

 

[elgerber]

I do agree about the dessert party in MK. I don't eat much at them, but to avoid the hub it is worth it if you are only traveling with a small party. If my whole family is there, no way.

Yeah it was easy on my solo trip, to only pay for one (so I did HEA, SW and EMM) but I also forked over the $$$ for both HEA and SW on our family trip in September for the 4 of us. Cost and arm and a leg but it was totally worth it. The viewing at SW, while a bit close was amazing! We sat on a short ledge, and stretched our legs out and no one was anywhere near us.

We did the dessert party for MNSSHP but just because we got the parade viewing with it. We didn’t like the dessert party itself. We were at the terrace though and couldn’t see everything because we got stuck under the roof. I’m not sure why they would ever stick people there when you’re paying $80 pp for the seat

Yeah, I would never do the Terrace party, only the plaza garden party. The viewing at the Terrace is horrible.

OMG! I adored that movie and Fievel! I had a stuffed Fievel too and was quite smitten with that toy. Oh thanks for the memories and nostalgia

Me too, a pretty big stuffed one! I passed him on to my dd and she loved him too. I think he has finally left the house, but oh how we adored him!!

 

[jhoannam]

Delta expert... If I book tickets using Skypesos, can those tickets be modified?
I'm trying to book return tickets for our Aug. 2019 Disney trip (4 people). I usually don't book flights this soon, but our return flight has to be an AM flight. These are my options:
AA 12.5K (50K total) - Have 120K AA miles.
Delta 10K (40K total)- don't have skypesos but have 130K MRs.
SW - flights won't be out until something in January? We have 55K SW
Also 90K URs
Should I wait until SW window opens?

 

[elgerber]

Woohoo, DH won 1000 points today from Marriott! Makes up for the 0 he won yesterday!

 

[mmmears]

Another Feivel fan here...

REMINDER: Today, 10/31/18, is the LAST DAY to apply for the elevated 100k Marriott points public offers on the SPG BIZ and SPG LUX.

And HAPPY HALLOWEEN, everyone.

I wasn't completely awake when I started reading here today and saw your reminder and had a panicky FOMO feeling. Then I remembered we have that 125K offer and a few more weeks left on that deadline. I hate cutting things so close but we have large bills this time of year, all from places that don't accept credit cards.

Yes, DH could sign up for the 125k offer, then ideally wait until the SPG Biz or Lux offers go back up to 100k to refer you with a 20k bonus. Because the SPG Lux is a personal card that'll count against 5/24, it's probably better to wait until you've gotten your Chase cards first.

Ah, good idea. That was our plan, but I didn't realize the 100K offer would disappear so quickly. I guess it'll likely come around again.

yes and the kid price is $99!?!?!? AND it is for the SECOND parade! What in the world!? The most crazy part is that people are doing this IN ADDITION TO a fireworks party. Can you imagine?

YES! It's the extra charge on top of the extra ticket prices that get to me. And I know people who already signed up. I remember when those parties really were more exclusive and uncrowded. I feel like WDW is now just a never ending money grab for all those little extras and if you don't buy them then you get trampled. Like a peasant.

 

[*WDW*Groupie*]

It's definitely on the CSR. I just received an email today from them about it.

I have the CSR and got the offer too. However it said minimum spend of $25.00. And the list of merchants looked somewhat limited (not places where I'd spend $25.00 in 1 purchase).

I guess I could get a $25.00 GC at Walgreens and get the UR points. Not sure if that would be worth it though.

 

[Lain]

yeah, im about half way done MSin my CI+ right now. not sure if ill hit the cap this year. aiming for it.
the 4x limited to 25k was seen by the MS world as a negative... haha.

True about the cap, especially if you’re a heavy hitter. However, consider the competition. The CIC is also capped at $25k/year at office supply stores, which sell only up to $200 VGC/MCGC in store with a $6.95 fee (3.48%) or $300 online with a $8.95 fee (2.98%). Outside of no fee and dollar off sales, Amex Offers, RMN deals, etc. on these cards, the higher fees eat up more of the CIC’s 5x UR. Ideally, if one could get both the CIC and Amex Gold, that opens up both office supply stores and supermarket avenues with double the yearly cap. Also, if one could sign up for the Plat, self refer for the Gold (15k+50k MR), then downgrade the Plat to the Gold when the second year AF comes up, one could end up with 2 Golds with double the yearly cap.

 

[Luvdancink]

Anyone been to Sesame Place at christmas time? Trying to decide if we need to buy the hotel package to get the reserved parade viewing, or use my points for the hotel. Also, how are the lines at christmas? I'm taking a toddler so I'm not exactly thinking there's much for her to ride anyway, but debating buying the front of the line pass. They dont seem to have an option to buy the VIP show seating or we'd be all over that.

 

[Albort]

True about the cap, especially if you’re a heavy hitter. However, consider the competition. The CIC is also capped at $25k/year at office supply stores, which sell only up to $200 VGC/MCGC in store with a $6.95 fee (3.48%) or $300 online with a $8.95 fee (2.98%). Outside of no fee and dollar off sales, Amex Offers, RMN deals, etc. on these cards, the higher fees eat up more of the CIC’s 5x UR. Ideally, if one could get both the CIC and Amex Gold, that opens up both office supply stores and supermarket avenues with double the yearly cap. Also, if one could sign up for the Plat, self refer for the Gold (15k+50k MR), then downgrade the Plat to the Gold when the second year AF comes up, one could end up with 2 Golds with double the yearly cap.

im keeping the CI+ in case chase decided to really go through the plan of not allowing transfers between cards haha.
the Amex gold card is on my list though, there are a lot of grocery MS available... but it makes me question my CSR... 2x MR with BBP is not bad for now haha.

 

[Judique]

I feel like part of the problem with this is how the CMs cont to tell people to push in, then people don't push in, so they start sending people in from the general area to fill in the spots. In Aug this happened to DD and myself. I was so sick of the CMs telling us to fill in all available space I finally turned around and said we are all already in each others personal space. We can't move any closer! I don't know why they do that. There is a whole park to watch in. No need to all sit on top of each other.

Too much togetherness for me! I never sit or wait for parades and fireworks at MK anymore. I'll do the Top of the World thing or just watch from an uncrowded distance where I obviously miss a lot of the show. I very much dislike being told to get up close and personal with people, so I just stand my ground until there is a suitable space to move into that doesn't have me smelling or touching another individual.

 

[brownhaired_girl]

I did it guys! All my points have posted for my crazy MS run of 32.5k in three months. My haul was 50,000 AA miles plus the match up to 70,000? I forgot lol. And I got 360,000 MR points. Two Biz Gold at 55,000 (including spend), Two Biz Plats at 110,000. Plus two 15,000 points for referring to the Biz gold.

What to go for next? I have the Southwest Biz on the way which I’m not touching until January. And I have two Blue Business to work on. I tried to get SO the Citi AA Biz but he got denied? What else should I go for lol. I’m thinking of trying to find a Citi AA Biz mailer for myself.

I’m in awe