I love credit cards so much!

[miztressuz]

Sometimes procrastination pays off. The Santander checking account $225 offer has been on my list to open, but with waiting to see if I got approved for the Alaska Biz card so I could use the CC funding towards MSR just hadn't opened it yet. After seeing the new offer for $300 now that DoC posted, with all the same terms, I decided to apply tonight. (https://www.doctorofcredit.com/santander-300-checking-bonus-nh-ma-ri-ct-de-ny-nj-or-pa-only/)
It's pending, bleh.

That was a crazy app though, I haven't been asked about how much money goes in and out of my accounts in years... I didn't even think they asked that anymore! And then they ask, 'Do you anticipate using ACH transactions', or something like that... um yeah, isn't that required for the bonus you're offering? I think I will, thank you very much. The worst part of the app is when they ask you your occupation - it's a text field but it's not really. If your occupation isn't part of their predefined list, it gets wiped out without any clue you are supposed to be searching for a matching occupation. That took several tries to figure out that's what was going on.

On the plus side, if I get approved I've got 500 UR coming at me on my CSR. First time I've got a fraud alert on it. I cleared it from both the text and email and then tried again and seems to be no problems... just gotta wait for someone to review it and hope a handful of Chex inquiries over the last 6 months isn't too much.

 

[DisneyMandC]

@DisneyMandC - I have the 30% PS offer on my Marriott personal and then 10% offers on 3 other Chase cards. Curious which card you have it on?

I have it on my CF. Would've preferred it on my CFU for 1.5x, but oh well. Bought a $60 GC today so we'll see what I get.

 

[mmmears]

Amex limits you to 5 open credit cards at a time. This limit does not apply to charge cards like the Plats, Gold, Green, or their business versions. If you try to open a 6th credit card while holding 5 open credit cards, your app will likely go pending or be denied, at which point you could recon and Amex may give you the option to close one of your 5 credit cards to open a new one -- but never close a card that is less than a year old with Amex.

Thank you so much. I knew I missing some critical element and you came to my rescue again. Just to clarify, does the pay over time on either the gold or the platinum add them to this category? I'm hoping not.

Got a retention offer on my Amex Platinum. 20,000 MR for 3k spend. Also targeted for 10;000 MR for pay over time. Annual fee posts in February.

Nice! How did you get the offer? We are gearing up here to try that for DH's platinum card.

 

[Albort]

How'd you fare with the activations this morning? Did you stay below "heavy hitter" status?

(https://www.doctorofcredit.com/target-deactivating-some-gift-cards-bought-on-10-sale/)

nope, i guess im considered a heavy hitter. i got 3 transactions that got deactivated. First time in 8 months churning GC i hit a snag. I guess thats what i get for playing this game.
hopefully they let me keep the rest, seems like its $1500 or above is whats getting deactive, i hit $2400 on one card and $1500 on another. the online one was separate i guess( did use Paypal though).

oh well, life moves on lol.

 

[Ngwira]

Did you call in for the retention offer?

Yes I did. I opened the card in January and haven’t put much spend on it throughout the year. In anticipation of asking for a retention offer in the upcoming months, I started using it as a daily driver. Called in yesterday and was offered 20k MR after 3k spend. Spent maybe $2,000 total on the card overall since there was no bonus on the version I have...the Ameriprise.

 

[Lain]

Thank you so much. I knew I missing some critical element and you came to my rescue again. Just to clarify, does the pay over time on either the gold or the platinum add them to this category? I'm hoping not.

Nope.

 

[LynnTH]

Applied for CIP #2 on 12/1. Immediately went to 2 weeks when I called. Still saying 2 weeks. The wait is killing me!!

 

[Ngwira]

Thank you so much. I knew I missing some critical element and you came to my rescue again. Just to clarify, does the pay over time on either the gold or the platinum add them to this category? I'm hoping not.



Nice! How did you get the offer? We are gearing up here to try that for DH's platinum card.

Called up Amex and said I wanted to keep the card but needed an incentive. By way of background, I didn’t get a bonus when opening as it’s the AMERIPRISE version but also did not pay an annual fee, so for one annual fee coming up in February, -$550, I’ll be getting $400 in uber credits, $150 in Saks credit, $400 in SW gift cards, global entry fee, PP, and at least 5 Centurion lounge visits (home airport is PHL), plus a free authorized user for one year (family of 4). I’m not even counting Amex offers..lol
I’d say I more than made up for the annual fee I’m paying in February.

 

[wanderlust7]

Applied for CIP #2 on 12/1. Immediately went to 2 weeks when I called. Still saying 2 weeks. The wait is killing me!!

Is this with EIN, in branch, or after 24 months from CIP #1? I would love another CIP.

 

[Lain]

Yes I did. I opened the card in January and haven’t put much spend on it throughout the year. In anticipation of asking for a retention offer in the upcoming months, I started using it as a daily driver. Called in yesterday and was offered 20k MR after 3k spend. Spent maybe $2,000 total on the card overall since there was no bonus on the version I have...the Ameriprise.

Did you accept the offer? Or did you say you'll think about it and will try again when the AF posts?

Have you ever had the vanilla Platinum or Charles Schwab Platinum? It's not a terrible offer, but for 20k MR with a $3k spend I'd be considering whether to do the $5k MSR on a new Plat for 60k or 75k MR or just close and churn the Ameriprise again.

 

[Lain]

Is this with EIN, in branch, or after 24 months from CIP #1? I would love another CIP.

You might be able to.

 

[LynnTH]

Is this with EIN, in branch, or after 24 months from CIP #1? I would love another CIP.

It is with EIN.

 

[kidsfirsttrip]

DoC just posted about this AT&T deal and I actually had it on my app! https://www.doctorofcredit.com/highly-ymmv-att-thanks-app-30-nordstroms-gift-certificate/

Any ideas on what to buy at Nordstrom, maybe for resale? We have one locally and I've gone in it several times, but I've never bought anything there besides my mom's mother-of-the-bride dress for my wedding.

Please let us know about Lowe’s. All this talk of FOMO has given me FOMO and I’ve got Lowe’s and Staples and Dicks Sporting Goods that I can use gift cards for.

Lowe’s worked for me. Giftcard and it credited. Same with Dicks. Got 30% off on one of those so real nice. Waiting on staples I’ll update when I know

 

[Ngwira]

Did you accept the offer? Or did you say you'll think about it and will try again when the AF posts?

Have you ever had the vanilla Platinum or Charles Schwab Platinum? It's not a terrible offer, but for 20k MR with a $3k spend I'd be considering whether to do the $5k MSR on a new Plat for 60k or 75k MR or just close and churn the Ameriprise again.

I got the turkey day Platinum which I closed in 2017. I think 20k is an excellent offer considering I’ve only put $2,000 on the card. The higher offers were for those who put significant spend on their Platinum. I really don’t want to open any other cards right now because I’ll be under 5/24 in March and I really do like Amex customer service and don’t want to piss them off.
I’ve had the gold, green, vanilla platinum, bbp, spg, Ameriprise and blue cash everyday.

 

[Haley R]

Well Dh decided today he wanted to meet his southwest MSR as soon as possible so we could book flights. He ended up paying close to $3000 off his student loans because we would’ve paid for that anyway down the road but by paying for it now we saved ourselves the 5% in interest.

I’m not sure we want to get anymore cards, at least not right now. We do still need more points for our Hilton but I like the idea of not having an MSR for awhile

 

[kidsfirsttrip]

I did see about the pool but we arrive at bedtime and leave early the next morning. We can't do Hyatt points because we need a jr suite. I have always done a car service too, so this whole rental situation is new to me too. I am trying to do it on points, though, so other than cashing out to cover happy limo, rental car is the best option. Maybe we could uber and use the amex plat credit instead. We Uber'd last cruise.

We are cruising in Feb (RCCL) did the uber work out? I was debating a car service we need ride from Disney to port and from port to universal and then back to MCO from uni

 

[Lain]

I got the turkey day Platinum which I closed in 2017. I think 20k is an excellent offer considering I’ve only put $2,000 on the card. The higher offers were for those who put significant spend on their Platinum. I really don’t want to open any other cards right now because I’ll be under 5/24 in March and I really do like Amex customer service and don’t want to piss them off.
I’ve had the gold, green, vanilla platinum, bbp, spg, Ameriprise and blue cash everyday.

Totally understand.

 

[gottalovepluto]

New DL no lifetime language offers out! A fam member was targeted for one of these offers. They just closed a DL card & didn’t show as targeted through DoC’s link however the 70k + $50 statement credit showed on the DL homepage after they logged in. (I tried using their link and it said it wasn’t available to me.) https://www.doctorofcredit.com/ymmv...es-200-statement-credit-no-lifetime-language/

For our Newbies: A key thing in this game is cancel any AF cards you aren’t going to get your AF back on. I almost violated that. DL was my first Amex and I decided I would keep it- what if I wanted to use the dollar value of my remaining miles for a flight? (I’ve yet to do that, have no plans to do that & have no DL flights coming up.) Luckily, this new offer is out and a slew of people seem to be targeted this time. Enough to give me the kick that I needed to let my first Amex go (obviously my attachment was emotional and not logical- I haven’t even had the biz gold yet) to set up the chance to churn it. Don’t become attached!

 

[miztressuz]

No pull from US Bank yet. Barclays pulled TU twice. One is denied one is pending. Chase pulled equifax.

Well that's a good sign so far. I'm always surprised when someone pulls EQ so maybe Chase will hang out by themselves over there With the weird SW card are you gonna go for broke and try for the Hyatt tomorrow?

 

[gottalovepluto]

Please let us know about Lowe’s. All this talk of FOMO has given me FOMO and I’ve got Lowe’s and Staples and Dicks Sporting Goods that I can use gift cards for.

Does Dicks sell 3rd party gift cards?