I love credit cards so much!

[elgerber]

You should be safe for the bonus now..but unless you need the points ASAP I’d wait until 1/1 to hit the MSR

Thanks! I plan to stay several hundred under the total MSR to be safe, but I have a several hundred dollar vet bill coming next week (timely with todays discussions) and I would like to put that towards the MSR.

 

[palhockeymomof2]

So one last dumb SWAs pend question for all the experts here....doube checking my dates and math- (P2)
Biz card-11/1/18 AF posts
11/25/18- statement (made a few purchases)
next payment due date 12/22/18- this means St CLOSED is 12/25,so any purchase from 12/26 onward I'm good for 2019 spend?
Pers. card- 12/1/18 AF posts
12/14/18 statement close
next payment due date 1/11/19- this means statement close is 12/17/18,and any purchase after 12/18/18 is good for 2019?
Please tell me if I've got this right....I have some ins. bills due,and I want to use these cards but I need the timing to be right....

No dumb questions..you want to make sure...you get the CP for 2019 and 2020....
On the business card yes any spend after the statement closes 12/25..will post on your 2019 statement, same with personal after the December statement closes any spend will post on your January statement
That said if you can wait until 1/1 to hide the MSR on both I would but I’m super cautious

 

[Teal03]

I’ve comeback from a setback that wasn’t my fault and is fixed so now I’m finally ready to open up my 3 cards next month. I haven’t opened up any new cards in 4 years and have always paid my bills on time. I think it shouldn’t have an impact on my score to much. Especially with me paying off my store card and down 10% of my student loans.

I’ve decided to get the Bank of America MasterCard first. I also want a checking account with them as well to do the round change thing. Will I be able to receive both signup bonuses?

For my 2nd and 3rd cards, I’ve decided on a regular Blue Cash Everyday Card and Uber Visa. Does the BCE receive all the great Amex offers that are usually posted in here ie $30 back on $300 Best Buy purchases? After reading Doctorofcredit, I’m going to wait until the best signup bonus comes for that one it’s only $150 right now. It seems like I can get double if I wait.

I’ll let you all know how it goes. I’m applying after my next statement mid January.

 

[MrPTato]

I can’t belive I got a store card lol. It’s a business and I haven’t been getting hard pulls from Amex lately so it’s probably worth it right?

$125 gift card and no hit to credit report...+1 hard pulls go away after 2 years +1. I'll take a hidden line any day of the week. 5% back is decent at Amazon.

 

[Albort]

I can’t belive I got a store card lol. It’s a business and I haven’t been getting hard pulls from Amex lately so it’s probably worth it right?

worth it for the sideways card... other than that, i dont see a point of it if u have CIC lol.

 

[speedyfishy]

worth it for the sideways card... other than that, i dont see a point of it if u have CIC lol.

Who said I would actually use the card lol? I already got the bonus would that be too suspicious if I never put spend on it haha

 

[eeyoresmom]

I need some advice on calling Chase. DH got the SW Biz card in late Oct and applied for the personal Plus while in flight on Dec 8 for the 50,000 pts. He got the " we need to review your application" message. I am assuming he was denied since its been so long. Should we wait for a denial letter or call now? We really want the CP.

 

[GlamMistress]

$125 gift card and no hit to credit report...+1 hard pulls go away after 2 years +1. I'll take a hidden line any day of the week. 5% back is decent at Amazon.

Yeah it's not heinous.

The bulk of my shopping (non grocery) is on Amazon. If I was more disciplined I would plan ahead and buy Amazon giftcards at Kroger and get 4x points with my Rose Gold. I never do that of course... so 5% cash back is good. I did want to focus more on cash back for 2019. Hmmm.

 

[gottalovepluto]

I’ve comeback from a setback that wasn’t my fault and is fixed so now I’m finally ready to open up my 3 cards next month. I haven’t opened up any new cards in 4 years and have always paid my bills on time. I think it shouldn’t have an impact on my score to much. Especially with me paying off my store card and down 10% of my student loans.

I’ve decided to get the Bank of America MasterCard first. I also want a checking account with them as well to do the round change thing. Will I be able to receive both signup bonuses?

For my 2nd and 3rd cards, I’ve decided on a regular Blue Cash Everyday Card and Uber Visa. Does the BCE receive all the great Amex offers that are usually posted in here ie $30 back on $300 Best Buy purchases? After reading Doctorofcredit, I’m going to wait until the best signup bonus comes for that one it’s only $150 right now. It seems like I can get double if I wait.

I’ll let you all know how it goes. I’m applying after my next statement mid January.

Amex offers are SUPER hit and miss. Even if you have a card they're showing up on for others doesn't mean you'll get it. Don't base your Amex cc decision off which is likely to get certain offers.

You can get a credit card bonus and a bank account bonus from BoA (and any other bank), one does not affect the other!

 

[CyndiLouWho]

Totally agree. Many vets that don’t board, do medical boarding in situations like this. Or ask the clinic who they refer to, which kennel or pet sitter. When I worked in veterinary medicine, many of the vet techs did pet sitting and dog walking as a side business. So they totally know how to deal with a frightened or stubborn cat needing insulin. Plus they work at a clinic so would just take the cat in if there was an issue. There was a big enough demand that one tech I worked with left her job at the clinic to open her own business with multiple (bonded, insured) employees.

ETA not sure how I didn’t quote @amalone1013 post here

 

[mom2elal]

This is weird. And maddening. I got the letter from Barclay's about why they denied me for the Arrival Plus and it says that I "have or had the maximum allowable number of this product." I closed that account in January!! Aren't there people on this thread who closed theirs in the last few months who got approved? I wonder how long I'm expected to wait...

 

[elgerber]

This is weird. And maddening. I got the letter from Barclay's about why they denied me for the Arrival Plus and it says that I "have or had the maximum allowable number of this product." I closed that account in January!! Aren't there people on this thread who closed theirs in the last few months who got approved? I wonder how long I'm expected to wait...

I am curious about this too as I am considering this for dh instead of a Chase card. I can’t remember when I closed ours but it’s been awhile now.

 

[gottalovepluto]

I did this one using DH's work Iphone on Sunday and my account is pending review still. If I had just waited I could have used my own phone. Apparently I had clicked through at some point and my email was on the android waiting list, I don't remember doing that, because I also got an email from them that the Android app is ready. I may have botched this one, but really anyone can have both systems and use both apps which was my intention, sign up with IOS and use Android.

Make sure to shoot support an email for your referral. It worked for that one person so maybe it will work for others? (It expires 12/31 so that’s why I recommend sending it asap if the turn around time really is a week.)

 

[gottalovepluto]

This is weird. And maddening. I got the letter from Barclay's about why they denied me for the Arrival Plus and it says that I "have or had the maximum allowable number of this product." I closed that account in January!! Aren't there people on this thread who closed theirs in the last few months who got approved? I wonder how long I'm expected to wait...

Changed late summer I believe idk how long their memory is, maybe it’s the full 24 months now. At least they don’t hard pull!

 

[palhockeymomof2]

I need some advice on calling Chase. DH got the SW Biz card in late Oct and applied for the personal Plus while in flight on Dec 8 for the 50,000 pts. He got the " we need to review your application" message. I am assuming he was denied since its been so long. Should we wait for a denial letter or call now? We really want the CP.

It’s not necessary a denial...I’ve had cards show up 2-3 weeks after applying..there is a number you can call to check on the application..sorry I’m away don’t have it with me...to check on the status of your application...7-10 days usually means denial or need ID verified...the other I think is 2 weeks which usually means approval ...
Fingers crossed for you....

 

[mom2elal]

Changed late summer I believe idk how long their memory is, maybe it’s the full 24 months now. At least they don’t hard pull!

Do they have a 24 month rule?

 

[Alexle2007]

Ugh, the new Expedia interface on Chase sucks! Just booked SW flights on points and CP for end of Jan to go to Universal so we can activate our APs and trying to book HRH and Chase keeps erroring out. Maybe we’ll just book the AP rate and pay for the room. My CSR travel credit should be resetting soon so there is $300. Surprising DH and DS with the trip Christmas morning. Hopefully DH doesn’t mind DS missing one day of school but the flight was much cheaper on Wed than Thurs.

 

[SouthFayetteFan]

I need some advice on calling Chase. DH got the SW Biz card in late Oct and applied for the personal Plus while in flight on Dec 8 for the 50,000 pts. He got the " we need to review your application" message. I am assuming he was denied since its been so long. Should we wait for a denial letter or call now? We really want the CP.

Have you checked the automated status line by chance?

1-800-432-3117 follow prompts I think it’s #, 3, 1

 

[palhockeymomof2]

To anyone who as booked with URs....confirm your reservation directly with the hotel..our first reservation with URs and .I don’t know who messed up ...Chase Travel...the 3rd party agency they use to contact Wyndham to confirm the room or Wyndham....
but when we went to check in today for our Wyndham Bonnet Creek..they didn’t don’t have the reservation in their system...
11am Called Chase URs..they see the reservation..but can’t get in touch with their 3rd party reservationists...they tell me to call back in an hour.
12pm call back..3rd party confirms the reservation..says give Wyndham 30 min t0 have it show up in,their system
12:30..still not In Wyndhams system ..call Chase...after 45 min..they tell me it’s In Wyndham system but not on,the resort level...pretty much everyone is blaming everyone else
3:30...after 3 more phone calls finally we have a room

I have no idea if the change over to Expedia caused this mess or not..but the front desk Wyndham people kept calling them even though I told them it was booked in July before booking was through Expedia

Received resort credits ....but I would of much rather been at Epcot...

 

[SouthFayetteFan]

To anyone who as booked with URs....confirm your reservation directly with the hotel..our first reservation with URs and .I don’t know who messed up ...Chase Travel...the 3rd party they use to contact Wyndham to confirm the room or Wyndham....
but when we want to check in today for our Wyndham Bonnet Creek..they didn’t don’t have the reservation in their system...
11am Called Chase URs..they see the reservation..but can’t get in touch with their 3rd party reservationists...they tell me to call back in an hour.
12pm call back..3rd party confirms the reservation..says give Wyndham 30 min t0 have it show up in,their system
12:30..still not In Wyndhams system ..call Chase...after 45 min..they tell me it’s In Wyndham system but not on,the resort level...pretty much everyone is blaming everyone else
3:30...after 3 more phone calls finally we have a room

I have no idea if the change over to Expedia caused this mess or not..but the front desk Wyndham people kept calling them even though I told them it was booked in July before booking was through Expedia

Received resort credits ....but I would of much rather been at Epcot...

OH MY!! What a stressful way to start a trip. That rivals my night at the “quality” inn with Marriott story! Glad it all worked out in the end