I love credit cards so much!

[miztressuz]

Can someone help me figure things out? My CSR and CSP are approaching a year old. Still not sure what I will do with them. But looking at my account, my CSR statement dates reset on 1/2. My AF last year posted on 1/1. Does that mean I am sol in trying to double dip the credits? I will have to pay the $450 fee before it resets, correct? Have I just been in lala land and this is how it works now? Or am I missing something?

If you AF posts on 1/1 and then your statement closes on 1/2, that just means your AF will be due whenever your due date is, probably 1/28. If the UR portal says your credit will reset after your Jan statement, then it should reset on 1/2-1/3 so you'll have from then until the due date to use the credit and downgrade (or cancel) for a refund without paying OOP. If you want more time to use it, then you'd need to pay it and wait for the refund after changing it. (If I'm understanding all your dates correctly)

 

[speedyfishy]

Anyone else have a slice of free cheesecake on the way? I told some of my students about it and they were trying at 11:30am along with me, LOL. I told the delivery person to leave it on the porch. Depending on when it gets to my house I may run home between schools and it get it, LOL

Thanks for posting! They don’t deliver to me but I just ordered my grandma her favorite slice to get delivered to her.

 

[elgerber]

Thanks for posting! They don’t deliver to me but I just ordered my grandma her favorite slice to get delivered to her.

No cheesecake for me, I live too far out of the metro to be able to use any food delivery :-(

 

[Albort]

Is it smart to apply for both the SW biz and the SW personal on the same day, or does it matter? I am at 3/24 so that's not a concern. We are flying on SW to WDW on 12/21, so I can apply for the personal then. I was thinking of getting the Biz now so I can put my WDW spend on it to meet MSR. But if that is a problem from a Chase standpoint, i.e. too many apps in a month or from a credit check perspective, I'll just wait to do the Biz til 12/21 as well, as I'll have other spend in the beginning of 2019. Thanks for any help!

SW biz needs to app and approve first before u should go for the SW personal.
2 apps next to each other is okay as long as your status is okay.

 

[LilSweetPeaPhoto]

No cheesecake for me, I live too far out of the metro to be able to use any food delivery :-(

Ironically I feel my house is further from CF than school is. They delivered to my house, but not school, LOL.

 

[platamama]

Yes, been doing that for a few months now since they fixed the glitch. There had been some offers that allowed you to still add them to multiple cards, but I haven't seen ones with that language in months. All the ones I get have the " Limit 1 enrolled Card per Card Member across all American Express offer channels." which spans across all card types so different logins, different browsers don't work around it.

I knew they fixed the glitch a while back (*sigh* that was a blow; I remember back in the day when Small Business Saturday was $30 off a $30 purchase and I had it on 6 cards). It must have been the ones that were still allowed to be added to multiple cards that threw me off.

Another thing that is annoying me is that the offers are still showing on multiple cards as if they can be added. It would make it so much simpler if the offers disappeared once you added it to a card.

 

[punkin]

I messaged Uber on the app and it’s showing now.

I will try that

 

[Angrose]

thanks @miztressuz and @Lain for the clarity on the Saks credit. Closest saks store is in OKC. Guess that won’t be getting used unless I find something online!

I would check out their cosmetics and skincare, or pick a category and sort by price low to high. They have some cute Kiehl's sets that could be nice stocking stuffers. I was going to get something like that but ended up getting Uggs for my mom and used the credit to offset that cost instead.

 

[Lain]

thanks @miztressuz and @Lain for the clarity on the Saks credit. Closest saks store is in OKC. Guess that won’t be getting used unless I find something online!

I picked up a S’well bottle and brush for DW and called it even. Don’t forget to go through a shopping portal. Saks was 14% cash back from Ebates over Black Friday!

 

[Lain]

I asked about this a while ago, and if you use any cosmetic-counter products, those should be the same at Saks as at, say, Macys.

Cosmetics at Macy’s are 15% off right now.

 

[hsmamato2]

AAAHHH tis the season for swa cp spend questions ok here goes.... Dh has the biz- 1st payment due date is 12/22 so that means it closes on 12/25,which means the spending can safely ramp up then,right? And the personal is newer, so first payment date is 1/11..which means (i'm confused now) don't finish that till 1/14 to be safe? I was planning to hit MSR on both on 12/24 with insurance payments that are due anyway....will this trigger anything too soon???
Also good news- I referred Dh for the basic hilton with no lifetime language (email last week) so now we'll get another easy 120k points for 1k spend! (I have plans for these points,love free hotels)

 

[LynnTH]

So, I recently wrote that I applied for CIP#2 (EIN) Was at 2 weeks for a few days and is now at 7-10 days. CIP#1 was in August. Was this too close? I had lowered my credit limits. The only other Chase Business Card is Marriott. Do I call or should I just wait for the letter. I am very impatient as I have a $3000 tuition bill due end of month (Visa or MC). I am at 4/24. Next card drops off in May. Do I go outside of Chase to get something? Capitol One Card perhaps?? Any suggestions?

 

[miztressuz]

I knew they fixed the glitch a while back (*sigh* that was a blow; I remember back in the day when Small Business Saturday was $30 off a $30 purchase and I had it on 6 cards). It must have been the ones that were still allowed to be added to multiple cards that threw me off.

Another thing that is annoying me is that the offers are still showing on multiple cards as if they can be added. It would make it so much simpler if the offers disappeared once you added it to a card.

Yeah, a new glitch (sorta, it's actually what allowed the multi-tab trick to work before) but definitely not in our favor this time If you log out and then back in it should disappear but it's not going to in real time if you have both up in different tabs/windows. It'd be nice if you could refresh the list without having to do the login shenanigans, but that seems to be the only way I can do that.

 

[kmc8826]

The Amex pop up DH got this weekend is bugging me and I am not completely certain yet what I am going to do. I have put some charges on his cards, but not convinced that will change much and every time I do it seems like a waste. He just got approved for the Arrival Plus so I am almost thinking I just concentrate on other cards rather than Amex for him right now.

What do you all think of this plan?

I have the BGR so can self refer for 20,000 points. I just got the Gold on October 8 (spend met and points posted). Biz Plat on November 16. Even though it hasn't even been a month yet sad but true we are almost halfway to making the 10k spend. Amex seems to like me okay right now...should I go for it and get the personal Platinum on self refer? It would just be for the 60k offer as I can't seem to bring anything else up. Tempted to get the personal Plat because I now have 5 $50 Delta gift cards. And will be booking flights on Delta soon. The 5 times MR points on the personal Plat plus using up the gift cards is tempting. I know if I ended up not wanting to keep it now is the best time to triple dip as well. What do you all think?

Only other card I have thought about getting right now is the Blue Business Preferred, but I don't have the same need right now to get it as the personal Plat. The flight purchases will probably almost make the spend for the Plat anyway.

Does it make sense to get the personal Plat now? Or even one of the other varieties of Plat? Mostly I just want the 5 times for direct flights. Am I just irrationally being tempted by all of your talk about uber and saks credits?!?

 

[WDWRook]

@WDWRook -- One more thing, when applying for a second (or third, or fourth) CIP, it's recommended that you either have P2 refer you, refer yourself, or you refer P2 for the extra 20k UR bonus. It doesn't really matter as long as you apply by referral (because P2 already has the CIP to refer from), since you'll probably be pooling all the UR anyway.

However, there was chatter yesterday (what timing!) that CIP referrals are down. I haven't caught up with all the developments, so I don't know if this is a temporary glitch or if Chase is ending its referral program for the CIP (and a few other affected cards). @SouthFayetteFan would know. Before you put in any application, it's always a good idea to check in here first to see if you're missing anything or there are any changes that might affect your plans.

Thanks. Just tried to book a Hyatt stay and it offered a 30,000 bonus plus $150 rebate. I assume the 60,000 points is a better deal?

I have to book a stay someplace downtown Chicago for Dec 19th, and a stay by Port Canaveral on Jan 27th for one night before a cruise. Unfortunately, Hyatt does not have a place by the cruise docks. Marriott and IHG do.

 

[Fischstick]

thanks @miztressuz and @Lain for the clarity on the Saks credit. Closest saks store is in OKC. Guess that won’t be getting used unless I find something online!

I'm pretty far from a store as well, but combined the credit with the portals on BF, the various Amex and SAKS offers, and the Shoprunner membership to maximize it. Worked pretty well! And didn't even have to leave my house.

Pretty sure I got all those tips from here, so THANKS!!!

 

[amalone1013]

I spent two hours this morning making a training powerpoint.

My boss was messing around with it making a bunch of copies and renaming it.

AND DELETED IT.

 

[elgerber]

I spent two hours this morning making a training powerpoint.

My boss was messing around with it making a bunch of copies and renaming it.

AND DELETED IT.

OMG!!!!!!!!!!!!!

 

[amalone1013]

OMG!!!!!!!!!!!!!

Ugh. She thinks she is way better with files than she is. Like, she's got a good competent grasp, don't get me wrong, but she thinks she is the of Microsoft Office.

 

[platamama]

Yeah, a new glitch (sorta, it's actually what allowed the multi-tab trick to work before) but definitely not in our favor this time If you log out and then back in it should disappear but it's not going to in real time if you have both up in different tabs/windows. It'd be nice if you could refresh the list without having to do the login shenanigans, but that seems to be the only way I can do that.

I've logged out & back in numerous times over several days on different browsers and still see the offers on cards that I can't add. Maybe it's just my account, but it's driving me nuts.