I love credit cards so much!

[tink1970]

Just called the Chase information line...CIC approved!!

Congrats!

What a way to start the day!

 

[palhockeymomof2]

Just called the Chase information line...CIC approved!!

Congrats

 

[Lain]

Swear I made that request within the time you mentioned above and got denied. I should have HUANCA Is it different for Biz?

I'm sorry, what was the question?

 

[kmc8826]

@Alice Sr. I never got an email on my Personal Gold. Just got the email I was approved and that was alll until I did the chat to check the status. It was 10 days from application approved to card in mail. Also I saw you said that about the Disney gift cards and waiting for your Gold. Just a heads up that it might be just as well. I don’t know how much level of data Amex gets from BJ’s but last year I had a lot of trouble having a bonus post on Amex and part of the charges was Disney gift cards from BJ’s. They probably do not have that level of data, but I am paranoid enough that I don’t think it is worth it to buy any gift cards for Amex MSR’s. It was so difficult getting the bonus to post that I stick to all organic spending. I just don’t want the drama.

 

[gottalovepluto]

Yep lol. Are you guys gonna vote to ban me from the DIS for saying that here?

I just... just... WHAT?! I thought they made a mountain out of a molehill when AA mailers were cut down to one time use! I saw something yesterday on how to see deleted Reddit posts in the DD and thought to myself “uh, ok. Guess if you really want to know why someone got flamed?” Glanced at the DD again last night and- well, I made my opinon known. It’s like I’m watching a slow mo train wreck over there!

In non-Reddit news I’m quite proud of my Mom’s churning these days. She’s gotten my parents 18k in spend to make over the next 3 months with a Wells Fargo Biz, Amex biz Gold to Plat upgrade, & Delta Gold. Something she never would have done even a year ago but the stars just aligned. (Also means all the biz spend open to me from the fam biz I work in is used up for the next few months- but it’s definitely their turn!)

 

[mamathompson]

Reddit scares me. Everyone seems so ready to fight. I'm happy to have stumbled upon this group as you all are so helpful and kind.

 

[gottalovepluto]

So the 2nd ebayer to make an offer that I still think is the first guy I blocked because the bid was 8.64 which is just weird and his last had been 8. But they messaged me asking why they are blocked. Going to ignore it, what am I supposed to say, umm I think you're this other guy and I don't trust you and then they say they aren't. One's from the US the other is from Cali so there's no way to know. I almost just want to take the stupid thing down and not even deal with it but will wait and see what happens.

Woah. Never had someone make an alt account on me like that, but I haven’t been selling much the last 2 years. Yeah, I’d hate to be in a fight for my eBay reputation over a $10 item!

 

[gottalovepluto]

...I really don’t want it getting killed, but I’m sure it will be.

And that’s the philosophy I’m trying to embrace these days. Hit things now because the end is always around the corner. I blame Chase’s banning of Disney bookings for this becoming my new churning philosophy, but watching all that really burned into me the “things change overnight” nature of what we do.

 

[gottalovepluto]

DoC rumor Arrival Plus could be headed for a 70k offer, might add back in AF? https://www.doctorofcredit.com/barclays-arrival-70000-point-offer-coming/

 

[Lain]

Reddit scares me. Everyone seems so ready to fight. I'm happy to have stumbled upon this group as you all are so helpful and kind.

The frustration there has certainly reached a boiling point. There's been A LOT of negative changes in the last year by the major card issuers -- Chase, Amex, and most recently Citi, as well as at popular avenues for easy points and discounts. (Do I need to update my list?) For some of those who have been churning for awhile, they blame all the newbies (and I'll add, all the people who spoon-feed the newbies). This hobby has gotten too big, with too much information casually shared on forums, which ends up on the blogs, which (for the most part, aren't looking out for their readers/) are out to make money off all the views on clickbait articles like "This one cool trick can earn you $5000 in free travel!" from online advertising and affiliate commissions, without any thought that all this extra publicity (and more people using and abusing the information) will get it killed fast. And the newbies who haven't been churning as long are coming into this game having gotten a taste of all the possible free money and travel, but at the same time seeing trains that they just jumped on getting nerfed or shut down right after they boarded, and the whiplash is upsetting. Then there are folks who have been in this game long enough to know that the rules change all the time, often suddenly and for the worse, but if you want to keep playing, you have to adapt, and there will be new cards and bonuses to take advantage of, and new loopholes will be found. However, even the optimistic side of me will say there's been more bad news than good news in the past year.

 

[Lain]

Wow I was busy yesterday and missed all the drama. I’m conflicted on whether that information should be shared. I don’t mind sharing with our group (and I have before) because we are small. But it seems like everything that’s getting shared on Reddit lately is dead within two weeks.

I am also making a lot of money with GCM. Sooooo I really don’t want it getting killed, but I’m sure it will be.

I'd think Chase would kill SM before GCM. The heavy hitters are going to go with the former just to save a few bucks, but I get why you're willing to spend a few extra bucks on the latter. Or hey, Chase could just massacre them all at the same time and make a certain card even more worthless after you pocket the bonus.

 

[gottalovepluto]

I'd think Chase would kill SM before GCM. The heavy hitters are going to go with the former just to save a few bucks, but I get why you're willing to spend a few extra bucks on the latter. Or hey, Chase could just massacre them all at the same time and make a certain card even more worthless after you pocket the bonus.

Join us this Sunday!
Fire & Brimstone: Churning
Guest Speaker @Lain​

About Lain: you may not remember what credit cards you have and plan to get but Lain does

 

[Lain]

Join us this Sunday!
Fire & Brimstone: Churning
Guest Speaker @Lain​

About Lain: you may not remember what credit cards you have and plan to get but Lain does

 

[Alice Sr.]

@Alice Sr. I never got an email on my Personal Gold. Just got the email I was approved and that was alll until I did the chat to check the status. It was 10 days from application approved to card in mail. Also I saw you said that about the Disney gift cards and waiting for your Gold. Just a heads up that it might be just as well. I don’t know how much level of data Amex gets from BJ’s but last year I had a lot of trouble having a bonus post on Amex and part of the charges was Disney gift cards from BJ’s. They probably do not have that level of data, but I am paranoid enough that I don’t think it is worth it to buy any gift cards for Amex MSR’s. It was so difficult getting the bonus to post that I stick to all organic spending. I just don’t want the drama.

Oh wow, I did not know about that (or if I did I forgot, which is just as likely). Thanks I feel better about it

 

[hsmamato2]

Anyone have a link that lists the various major cc's and their points back? I'm trying to get my cards in spend order and find myself forgetting details of what should be used where....has anyone out there found such a list?

 

[MrsAlexis]

**SW advice please!**
My grandma asked me today to book a flight for her to visit me....ASAP. I have some UR I can transfer but lowest fares are 2 weeks out.I have a RT flight picked out now but her return isn't really set in stone. So my question is: Can I use my URs for her SW flights? Can someone give me quick rundown on what my options are if we have to change/cancel one or both of her flights? I don't want my URs tied up in an RR account for her as she doesn't fly much.

 

[afan]

Woah. Never had someone make an alt account on me like that, but I haven’t been selling much the last 2 years. Yeah, I’d hate to be in a fight for my eBay reputation over a $10 item!

I think it's his wife's account or something like that. There's been activity but not as much as on his and it's not a username a male would typically pick. Of course this is all in figuring it's a guy to begin with and not a female. Either way I'm ignoring it as the item is worth more than the 9.99 starting bid but that's what I'm ok with it going for. However I just had a thought about them making another name so I think I will pull it and try again in a few months as long as there were no bids overnight.

 

[gottalovepluto]

Thoughts for your thoughts....

Just SMed Chase and they confirmed I have until February to meet the $3k MSR on my SW Biz card. Now, I don't want to make this card my daily carrying-around card since I have to time the spend just right to get the CP. My credit is still unfrozen for a little while...should I put in an Amex Biz Gold rewards app? I'm thinking if UR for Disney is totally out of the game it may be a good idea to start working on MRs for the cash-out with Schwab option. I can meet about $1500/month in MSR organically minimum, or there's the PNC option. Yes/no?

I’d go for it. But don’t count on PNC funding, I got approved last year but my cc funding failed reason unknown. I just applied again to hit the bonus & was denied for EWS

 

[hsmamato2]

Question re: BoA cc...... ok I got DS set up with the $200 cb card as a starter- I am very confused right now about setting up online acct tho- The deal is he logs in under my acct for banking (his is listed in the accts page) b/c he was younger when he set up his bank acct. So when I tried to help him set up the cc it took him straight to our acct page for the confirm link,and supposedly activated the cc(?) I tried a $1 amazon load to see if card is working,and it went thru- but HOW is he supposed to see his online cc page this way? I see NOTHING on the bank acct page that indicates a cc (DS) ,yet the card worked on Amazon as a test- I tried just enrolling him with the cc# on his own and it errored out...... any advice here? (I hate this card right now)

 

[miztressuz]

**SW advice please!**
My grandma asked me today to book a flight for her to visit me....ASAP. I have some UR I can transfer but lowest fares are 2 weeks out.I have a RT flight picked out now but her return isn't really set in stone. So my question is: Can I use my URs for her SW flights? Can someone give me quick rundown on what my options are if we have to change/cancel one or both of her flights? I don't want my URs tied up in an RR account for her as she doesn't fly much.

RR is refunded to the account used to book it. So using your own RR to book a ticket for her and you change it, the points come back to you.
If doing cash and it has to be refunded as a travel credit, that travel credit gets stuck to the person the ticket is for. But refundable methods, like RR points, go back where they came from.