I love credit cards so much!

[hsmamato2]

30,000 SPG points posted to DW's account!

Now... do I go for another 30k "gift" to me?

In case some one would want to buy a gift card, Lowes had TRS gift cards yesterday when I was there and card cash sent an email offering them for up to 10% off.

TRS?

 

[Judique]

TRS?

Toys R Us...guess I came up with my own shorthand for that one!

 

[hsmamato2]

ha! Thanks..... question on SPG Biz.... I see I got 2,462 points awarded to my cc page,and spg acct for 'SPG AX base spend'....what does that mean? I haven't even made a payment yet on this card... how did I get points? and that odd number?

 

[Lain]

@calypso726, another DP for you: https://www.reddit.com/r/churning/comments/852vb5/comment/dvudufp?st=JEVFOLY3&sh=3ce80bab

 

[Judique]

ha! Thanks..... question on SPG Biz.... I see I got 2,462 points awarded to my cc page,and spg acct for 'SPG AX base spend'....what does that mean? I haven't even made a payment yet on this card... how did I get points? and that odd number?

That's the amount of points you've gotten so far for using the credit card.

 

[kmc8826]

On the issue of the Reddit group I would just suggest that those who have reached their limit of referrals that they remove their link. If you no longer have the card remove the link. And for what its worth...my thought is that people who do use someone to just PM them rather than post on the thread. The referral use is just between them and we are such a nice group that we don’t want to make people feel bad. I also hate for it to feel like a contest between new people and a response/recommendation. Just my thoughts and I am so grateful for @SouthFayetteFan and @Albort for putting it together and for everyone else’s work on it.

Has anyone actually been by a Toys R Us to look at their actual products (not just for GoC cards) since they announced they were closing all stores? Thinking DH and I might go today to see if we can find anything good for his eBay business but don't want to waste a trip over there!

Also, about halfway through our CIP spend! Will be shooting for CSR/CSP double dip mid-April I'm thinking.

My mother in law took the girls after school on Thursday. She said same prices/selection as always. So maybe wait a bit and see. They had so much fun there that I feel worse now that they are closing.

 

[hsmamato2]

That's the amount of points you've gotten so far for using the credit card.

wait.... they issue the points before I pay it off? I'm obviously not paying attention to the years of my personal SPG card then- I thought I got the points after I PIF etc..... or do they award them by what I spent based on statement close date anyway? so If my statement says next closing date is 4/9, is that when I'll see the new points? Ugh... that means I miscalculated..I should've made those last purchases a week earlier.... now I've got to wait!

 

[Lain]

wait.... they issue the points before I pay it off? I'm obviously not paying attention to the years of my personal SPG card then- I thought I got the points after I PIF etc..... or do they award them by what I spent based on statement close date anyway? Now I have to figure out my close date to figure out when I'm getting the points I need next!

Yup. The Starpoints earned on your Amex SPG are deposited to your SPG account within a day or two of your statement close date. Not when you pay off the statement.

 

[afan]

They are no longer selling 3rd party gift cards, or even their own....stores that weren't originally closing will still have a lot of merch and appear the same. Liquidation won't start until the end of next week.

Thank you for this info! I always get stuff for Toys for Tots during Target's summer toy clearance but I'm going to keep an eye on how the liquidation goes to see if I can get some good prices on stuff there.

On the issue of the Reddit group I would just suggest that those who have reached their limit of referrals that they remove their link. If you no longer have the card remove the link. And for what its worth...my thought is that people who do use someone to just PM them rather than post on the thread. The referral use is just between them and we are such a nice group that we don’t want to make people feel bad. I also hate for it to feel like a contest between new people and a response/recommendation. Just my thoughts and I am so grateful for @SouthFayetteFan and @Albort for putting it together and for everyone else’s work on it.

I agree with the PM part. We all have different reasons for why we pick whose link we use whether it's because the person has been helpful, completely random or because the person has fewer cards and/or earners in that group and you want to help boost their points, or any other reason you decide on.

 

[3 DD love princesses]

Nice! How did you address it?

 

[hsmamato2]

Yup. The Starpoints earned on your Amex SPG are deposited to your SPG account within a day or two of your statement close date. Not when you pay off the statement.

sorry @Lain my post crossed with your reply when I edited it..... ah well live and learn in this game!

 

[Lain]

More chatter this morning on /r/churning that BMO bank funding looks dead as a way of meeting MSR on Amex cards.

 

[babyready]

Has anyone actually been by a Toys R Us to look at their actual products (not just for GoC cards) since they announced they were closing all stores? Thinking DH and I might go today to see if we can find anything good for his eBay business but don't want to waste a trip over there!

Also, about halfway through our CIP spend! Will be shooting for CSR/CSP double dip mid-April I'm thinking.

Just popped into TRU this morning and there was nothing marked down, no sign of anything different. The place was a total mess but that is pretty much how our TRU always was...

 

[gottalovepluto]

Back from a lovely Disneyland F&W trip! 50 pages to go on here so that’ll be a long haul but I’m gonna give it a shot! I did glance at Reddit & DoC a couple times while on my trip & the summary of the week seems to be:
-ToysRUs out of business, no gift cards on shelves
-BMO not working for Amex spends anymore (looks like DPs are still in development there?)
-Lowe’s Amex but I think it’s dead, I got it on a couple cards but couldn’t remember the login info for the others & by the time I got to my laptop last night it doesn’t show on any other non-Hilton cards. I can’t believe you did this to me Amex!!! I’ve been waiting a couple years for this promo again!
-300 stars at Starbucks with ChasePay. Worked for me, ChasePay says I earned 300 stars
-Southwest contest for CA, thanks @Albort for the heads up. Alas my nearest airport is FAT and they still don’t have SW. (To those wondering yes, it’s id is FAT. Fresno Air Terminal. By the time they decided that wasn’t the best name & changed it the FAA was like “nice try, you’re keeping FAT”)

Any other big stuff I ought to check now off the top of your heads?

My last charge finally came through to my Altitude Reserve for that spend so w00t! Also my travel credit for the card posted a few days after the charge from WDW for a room reservation via a TA. Longer than CSR but no where near as long as the like 2 months they say it can take.

 

[tink1970]

1. to those wondering yes, it’s id is FAT. Fresno Air Terminal. By the time they decided that wasn’t the best name & changed it the FAA was like “nice try, you’re keeping FAT”)

   
   
   
   

   @calypso726, another DP for you: https://www.reddit.com/r/churning/comments/852vb5/comment/dvudufp?st=JEVFOLY3&sh=3ce80bab

   
   Granted I got my Amex MB Plat in November and have no idea if the wording was there but earned my 60,000 MR for it while having my regular Amex Plat...so just another data point I'm sort of relieved since I was going to cancel it in December and now have a reasonable rationale (never want my MRs taken back!).
   

 

[calypso726]

@calypso726, another DP for you: https://www.reddit.com/r/churning/comments/852vb5/comment/dvudufp?st=JEVFOLY3&sh=3ce80bab

Thanks for the DP! Just picked up the WF card. Might do this one next.

 

[Judique]

wait.... they issue the points before I pay it off? I'm obviously not paying attention to the years of my personal SPG card then- I thought I got the points after I PIF etc..... or do they award them by what I spent based on statement close date anyway? so If my statement says next closing date is 4/9, is that when I'll see the new points? Ugh... that means I miscalculated..I should've made those last purchases a week earlier.... now I've got to wait!

Look at it this way. If someone were 'not' going to pay in full and just make minimum payments, which would mean a lot of interest for Amex, would they be interested in the credit card rewards? Amex makes money on those people and my guess is not everyone pays in full every month. I do now, but I've paid plenty of interest back when I couldn't afford to be paying interest. And I still went on vacation and used credit and points.

We have some smart, younger people here, but unfortunately they are not necessarily the norm, or we wouldn't have such a vast array of amazing and appetizing credit card offers. I'm happy to now be in this group but 20 years ago I was in the 'I have a balance' group.

And, I'm mature and can admit to my past shortcomings, but if you read the debt dumpers thread, which I do regularly, you will see lots of people trying to get through the period in their lives where they have energy to have lots of fun, but not loads of money to fund it and combined with 'living' costs, they've gone into debt and are trying to climb out. And they are on a Disney board planning trips at the same time.

Edited to add: last statement is not a judgement - it's a 'I can relate to this' statement.

 

[hsmamato2]

Look at it this way. If someone were 'not' going to pay in full and just make minimum payments, which would mean a lot of interest for Amex, would they be interested in the credit card rewards? Amex makes money on those people and my guess is not everyone pays in full every month. I do now, but I've paid plenty of interest back when I couldn't afford to be paying interest. And I still went on vacation and used credit and points.

We have some smart, younger people here, but unfortunately they are not necessarily the norm, or we wouldn't have such a vast array of amazing and appetizing credit card offers. I'm happy to now be in this group but 20 years ago I was in the 'I have a balance' group.

And, I'm mature and can admit to my past shortcomings, but if you read the debt dumpers thread, which I do regularly, you will see lots of people trying to get through the period in their lives where they have energy to have lots of fun, but not loads of money to fund it and combined with 'living' costs, they've gone into debt and are trying to climb out. And they are on a Disney board planning trips at the same time.

Edited to add: last statement is not a judgement - it's a 'I can relate to this' statement.

You know that makes sense...I don't know why in my head I always tied paying my balance with getting the points...it's hitting the spend amount that gets the points...it's just that I never considered an alternative when hitting spends and paying it off.

 

[Judique]

You know that makes sense...I don't know why in my head I always tied paying my balance with getting the points...it's hitting the spend amount that gets the points...it's just that I never considered an alternative when hitting spends and paying it off.

And that's a good thing.

 

[speedyfishy]

More chatter this morning on /r/churning that BMO bank funding looks dead as a way of meeting MSR on Amex cards.

Amex sucks!! I saw this was on an MR earning card so I’m hoping the SPG and Delta cards will be ok. I have a plan B with some other banks. Or there is always paying my 1700 in rent with a fee.