I love credit cards so much!

[KPK02090]

Sorry how much spend have you put on each card so far?

I have about 2,000 on the CSR and only 200 on the CSP. So not a huge disaster if they close the CSP, just a bummer.

 

[KPK02090]

login to your chase and see if your CSP is still opened or not.

Looks like both are still open...
Should I call??? The voicemail said they (the call center) are open until 10pm est.

 

[disneymagicgirl]

Looks like both are still open...
Should I call??? The voicemail said they (the call center) are open until 10pm est.

I'd be totally nervous too. Like getting caught with your hand in the cookie jar. You rebel. Sorry you didn't squeak through under the radar.

 

[disneymagicgirl]

Well aside from the couple pages I skipped yesterday I am all caught up. Whew!

The bad news is obviously more chase. Ugh.
Good news tidbit is the CF q4 categories. Yay for those.

DH's amex plat came today. Wow, that is some nice looking packaging and card!

I have been super busy b/c DD19 app'd for the Disney College Program a couple weeks ago. (well really I app'd for her b/c she was busy with rush week). She ended up getting a web interview and that went well so she has the phone interview Monday. We have been spending a ton of time researching and preparing for that. She is super nervous. Can't blame her. Those situational type questions are always tough. Fingers crossed she gets an offer. If not, it is good practice for next time. She is a little torn about potentially leaving the sorority house where she is living this year. Understandable.

 

[Lain]

I want to thank everyone for the lighthearted comedy being injected into the thread today. My emotions are on overload due to the DD sitch, finding out last night a very good friend ended her life Tuesday after her mother (also a good friend) died two weeks ago , and my dh is having open heart surgery next Friday. Definitely real life puts credit card bonuses in perspective but unfortunately it's just one more thing to fret over right now.

I'm so sorry to read about all you're going through. Just glad we're able to provide you with some smiles, laughter and distraction. Best wishes for DH; he'll be in my thoughts.

 

[Albort]

Looks like both are still open...
Should I call??? The voicemail said they (the call center) are open until 10pm est.

i would, either way it will get closed(if that is the case). calling would make u in control on which will close too. If u wait and they for some reason closed your CSR... then you would really need to go through the trouble of fixing it.

 

[Lain]

Well aside from the couple pages I skipped yesterday I am all caught up. Whew!

The bad news is obviously more chase. Ugh.
Good news tidbit is the CF q4 categories. Yay for those.

DH's amex plat came today. Wow, that is some nice looking packaging and card!

I have been super busy b/c DD19 app'd for the Disney College Program a couple weeks ago. (well really I app'd for her b/c she was busy with rush week). She ended up getting a web interview and that went well so she has the phone interview Monday. We have been spending a ton of time researching and preparing for that. She is super nervous. Can't blame her. Those situational type questions are always tough. Fingers crossed she gets an offer. If not, it is good practice for next time. She is a little torn about potentially leaving the sorority house where she is living this year. Understandable.

LOL. Does DH know he has an Amex Plat yet?

Good news for your DD! And good luck with the interview process!

 

[wendow]

There were some on Reddit who said it would report and add to 5/24...since I want to stay under 5/24...I decided it wasn’t worth $200 to risk that

Really? Ugh, will try to read up tonight and look for some DP's on that. I still am unsure what I am doing with 5/24 now...had a plan and poof!...it's all gone. Maybe I don't care anymore but I'm not ready to make that call yet. I know the Amex plat will affect my 5/24 but the bonus on that may be worth it. $200? not sure that is worth it.

 

[KPK02090]

I'd be totally nervous too. Like getting caught with your hand in the cookie jar. You rebel. Sorry you didn't squeak through under the radar.

Well, looks like maybe I did squeak through under the radar! I called and they told me since I applied for both cards on the same day they were lowering my credit level on the CSP, but I could keep both cards. I asked if the bonus was still attached to both cards and she said they were!

 

[wendow]

Well aside from the couple pages I skipped yesterday I am all caught up. Whew!

The bad news is obviously more chase. Ugh.
Good news tidbit is the CF q4 categories. Yay for those.

DH's amex plat came today. Wow, that is some nice looking packaging and card!

I have been super busy b/c DD19 app'd for the Disney College Program a couple weeks ago. (well really I app'd for her b/c she was busy with rush week). She ended up getting a web interview and that went well so she has the phone interview Monday. We have been spending a ton of time researching and preparing for that. She is super nervous. Can't blame her. Those situational type questions are always tough. Fingers crossed she gets an offer. If not, it is good practice for next time. She is a little torn about potentially leaving the sorority house where she is living this year. Understandable.

Good luck getting caught up! I'm excited to have warehouse stores also as a Q4 category!

Nice looking packaging and card, huh? Hmm, that may sway me even more lol!

Fingers crossed for your dd

 

[tink1970]

Hi All - a question before you all pack up and move on. I have 4.5k spend in the next few weeks and another 3.5k 1/1/2019 so looking for a couple of new cards. I am really leaning toward Delta Plat or Gold, since moving to MI I have been using Delta for short flights to IL (using UR's) about every other month. I think my yearly usage would be a minimum of 6 short R/T to IL, 2 R/T to WDW and a trip to HI or Europe. Would that make it worth going for the Plat with the MQM's? Or don't worry about chasing the MQM's and go with the Gold. I have gone back and read all of Tink1970's amex Delta posts and still not sure which way to go. For the 2nd card I am probably leaning toward a business card, maybe AA miles (although I'm not exactly sure why other than diversifying) maybe BoA as the Northern Lights are on my bucket list. My cards are below, will be closing out the 2 SW cc.

Yipee! A DL Amex question

Benefits of Gold-lower AF $95
first year AF waived
3K spend in 4 months
60,000 skymiles if above spend met (offer ends 9/19)
first checked bag free

Benefits of Plat- AFTER first year, companion pass (economy/economy comfort plus in certain fare buckets)-you buy a ticket in these fare buckets
and your companion flies for taxes only (this is continental US only...unless your home address is HI/AK)
if you spend 3 K in 3 months 70,000 skymiles
with 25k spend in 1 CALENDAR year, 10, 000 skymiles and 10, 000 MQMs (x2 so $50 k spend would earn 20,000 skymiles/mqms)
first checked bag free

Cons of Gold- no companion fee
no incentive for high spend

Cons of Plat- higher AF NOT waived first year
companion certificate has some limitations (although I have always found it use-able) and doesn't kick in until after first year

Also, if you're trying to stay under 5.24, the business cards currently have the same offers until 9/19 as well.


IF you don't think you'll need a companion ticket AND/OR don't care about chasing status (which would be my suggestion because it can be a crazy maker), I'd go for the DL Amex Gold personal or biz. If you fly somewhere even once a year with someone else especially on an expensive route, the Amex DL Plat Pers on Biz might be a better fit (with the understanding that it's a year long wait for that).

Please ask if you have any other questions...I've had the Reserve, Plat and Gold and feel that for now the Plats are keepers for me. I might upgrade to Reserve at some point but right now am happy with the Plats. That said, nothing wrong with gold.

Hope this helps!

 

[Lain]

Well, looks like maybe I did squeak through under the radar! I called and they told me since I applied for both cards on the same day they were lowering my credit level on the CSP, but I could keep both cards. I asked if the bonus was still attached to both cards and she said they were!

OMG. Fingers crossed for you!

 

[palhockeymomof2]

Really? Ugh, will try to read up tonight and look for some DP's on that. I still am unsure what I am doing with 5/24 now...had a plan and poof!...it's all gone. Maybe I don't care anymore but I'm not ready to make that call yet. I know the Amex plat will affect my 5/24 but the bonus on that may be worth it. $200? not sure that is worth it.

Obviously they could be wrong...but I wasn’t willing to be the dp on it since I’ve got a list of Chase cards to go for first....

 

[afan]

But I'm wondering when we will need a pt 2. There had been a post limit or a page limit before, although I thought we've surpassed both limits a long time ago. So maybe they're removed now and we'll go into infinity? Or we break the DIS cuz no one knows when to stop

I vote for seeing how far we can go, I'm curious how many pages is too many

This is true. I just wish we didn't come up so easily in google searches. But you are correct, far more info is out there in other places and those places are more where the 'moles' would be hanging out!

I do wonder if things pop up in google more for us because we're on the boards and we do Disney stuff and google knows all of this. Would random single 27 yo in St. Louis googling credit cards for travel or something like that get one of our pages as a 1st or 2nd page google hit or would it be much further because he doesn't even think Disney so google has no idea he might benefit.

I have been super busy b/c DD19 app'd for the Disney College Program a couple weeks ago. (well really I app'd for her b/c she was busy with rush week). She ended up getting a web interview and that went well so she has the phone interview Monday. We have been spending a ton of time researching and preparing for that. She is super nervous. Can't blame her. Those situational type questions are always tough. Fingers crossed she gets an offer. If not, it is good practice for next time. She is a little torn about potentially leaving the sorority house where she is living this year. Understandable.

Congrats to your daughter! What house is she in? I'm an Alpha Phi

 

[Lain]

Nice looking packaging and card, huh? Hmm, that may sway me even more lol!

If it helps you justify the $550 AF a little more, the wooden cardholder/phone stand that comes as part of the personal Amex Platinum packaging sells for between $10-20 on eBay.

 

[wendow]

I want to thank everyone for the lighthearted comedy being injected into the thread today. My emotions are on overload due to the DD sitch, finding out last night a very good friend ended her life Tuesday after her mother (also a good friend) died two weeks ago , and my dh is having open heart surgery next Friday. Definitely real life puts credit card bonuses in perspective but unfortunately it's just one more thing to fret over right now.

Will be praying for your dh's surgery. So sorry for all you have going on (((Hugs)))

 

[afan]

Well, looks like maybe I did squeak through under the radar! I called and they told me since I applied for both cards on the same day they were lowering my credit level on the CSP, but I could keep both cards. I asked if the bonus was still attached to both cards and she said they were!

Yay! I think that deserves some

 

[StephPlum]

I need a new card . I referred DH to the SPG Biz but got the "you don't qualify for this welcome offer". Not really sure why as he is 0/24; He does have a CIP and a CIC but I didn't think AMEX would care, right? Forgot also he has the Citi AA Biz and Barclays Aviator Biz. He also has the Hilton Biz which we just hit MSR on at the end of August. I thought he could have two apps on AMEX in 90 days and this would be the second one. Maybe it is the Hilton is too new. So moving on from that one.

Since I can't do the DD on CSR/CSP, thinking of moving the CSR up. I was waiting until the end of the year to time with tuition and Real Estate taxes. That would have taken care of the 8K MSR easy. Now that I can only get one and have just a 4K MSR, it should be no problem. Reminder of my stats in case the spreadsheet hasn't been updated:
CIP 2/18
SPG Biz 3/18
IHG 3/18
CIC 5/18
Hilton Biz 5/18
Citi AA Biz 7/18
Barclay's Aviator Biz 8/18
so for Chase - 1/24; 0/30;0/3;2/6; 3/12. Seems safe for CSR, right?

 

[StephPlum]

When did everyone get the bonus miles on their Barclay Aviator Biz? I can't remember when DH got his bonus miles after the $2.29 drink I bought at work. I thought it was before his $95 fee hit and his statement closed but not sure. Any way, I have one purchase on there and already paid off. I don't have my miles yet . It's been about 2 weeks. Am I just too impatient?

 

[wendow]

If it helps you justify the $550 AF a little more, the wooden cardholder/phone stand that comes as part of the personal Amex Platinum packaging sells for between $10-20 on eBay.

Seriously!?! I'll keep that in mind as I contemplate the AF

I still haven't mentioned the card to my dh. I just cannot figure out how to bring up a card with a $550 AF. I could just not tell him, and he'd never know, but I'm not sure if that is right (not saying anyone who does that *cough* @disneymagicgirl is bad lol). We've just always been open about what we are spending if it's over $200. However, I'd get it all back in MRs...so I'm technically not really spending it...I'm 'investing' it, right?