I love credit cards so much!

[kmc8826]

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.

I have offers on my Biz Plat that I try to add but it won't let me because I had already added it to another card. But I agree it is so annoying...then take the offer off so I am not seeing it Amex!

 

[palhockeymomof2]

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!

Don’t apply for them both on the same day.....Chase has been closing the second card applied for when two applications are received. You need to apply for the SW business first....have it approved...then you can apply for the personal card on the 21st.

 

[palhockeymomof2]

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)

I’d wait until you see your DH biz card statement has closed in December before putting the insurance payment on it.
As far as the personal...if the first payment due date is 1/11...you may have a statement close around 12/14...so after that it should be safe to put the insurance payment

 

[tink1970]

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?!?

Okay, I'll be an enabler! Sure, go ahead with the plat IF you think you'll get more mileage out of it than the BBP. I've had mine for 2 1/2 years and it really is a solid card for me. It's nice to have the 5X when booking Delta and another $200 in DL gc is another plus.
Good luck with the app

 

[afan]

Can I go through the UR shopping portal, best % back for etsy, but pay with an amex? And if I can how do I get to the portal, never done it before. Otherwise I'll just use sb.

 

[Judique]

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.

She's not good enough to recover it? Someone should be able to.

 

[eeyoresmom]

Hi guys. I need SW CP experts....I came here looking for updated advice on earning the SW CP but this thread moves so fast!!!!! DH got the SW Biz in late Oct. My plan is to apply for him for a personal card while in flight this Saturday (SW flight), hoping for the 50,000 pt offer. If I can't get that offer I will be back to ask advice on how to earn the extra 10,000 pts we will need for the CP but don't want to get ahead of myself. If I can't get the 50,000 offer, my plan is to refer him through my SW Plus card so I get the bonus. Is this currently still the best plan? I'm wondering if I should have him call and lower his available credit? His limit on his CSR is $20,000. He has an Ink as well but I don't believe the business cards will count toward his application for a SW Plus correct? I had this plan all down but that was over a month ago and I'm feeling kind of shaky haha. We fly SW A LOT so the CP is extremely valuable to us. If there are any tips on getting the 50,000 offer please let me know. I have actually never used in flight wi-fi before. Thanks for all of you help.

 

[Lain]

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?!?

I totally feel the urge to squeeze in another Amex via BGR referral before the end of the year too.

I haven’t tried having my wife apply for the Amex Gold again after she got the pop up in October, and I’m not sure it makes sense to (other than possibly triple dipping the Gold airline fee credit and FOMO on the limited edition Rose Gold color that ends on 1/9/19). She’s shown that she won’t be using it over her CSR for dining, and I know she won’t bother going by The Cheesecake Factory every month to use up the $10 credits. So I kind of don’t want to get her another Amex that she’ll barely use just for 50k MR, a 20k MR referral for me, and have her end up on Amex’s naughty list again.

I may try to fit in the BBP for myself this month. Sad, but true, we’ve already allocated the $3k spend to meet MSR on my wife’s yet-to-arrive CIC, and I’ll be done with my BGR’s $5k MSR by the end of the month.

So you’ll get no judgment from me about going for a personal Platinum when you already have the Biz Plat. (I’m guilty of the same thing!)

The thing that sucks is you’d be paying two large AFs ($550 for a personal Plat, and $450 for the Biz Plat) for a lot of overlapping benefits, some of which you don’t even get to enjoy out of SLC (most notably, the Centurion Lounge). You do have a larger family so maybe the additional Precheck/GE credit may come in handy, and another Priority Pass for more guests too?

Have you looked at the Ameriprise Platinum? First year AF is waived, but it comes with the $200 airline fee credit per calendar year, $200 Uber credit ($15/month, $35 in December), and $100 Saks credit ($50 in the first half of the year, $50 in the latter half of the year), and 5x MR on flights booked directly with airlines. @Ngwira, @GlamMistress, and I think @Albort have this card.

However, I don’t think you can refer to the Ameriprise Plat and it does not have a signup bonus. It is considered a separate product, so going for the Ameriprise now shouldn’t disqualify you from getting the vanilla Platinum, Morgan Stanley Plat, or Charles Schwab Plat (or their bonuses) later on, say when your “free trial” with the Ameriprise is up next year and you decide to downgrade or cancel your Biz Plat, based on having or having had the card product. (However, there is occasional speculation that Amex may one day consider all the personal Plat flavors one product for the purposes of the once per lifetime bonus restriction. And there’s no telling if you’ll end up on Amex’s naughty list and get a pop up when you try to apply for another Plat next year. ETA or if and when Amex kills the ability to self-refer.)

Hope this helps, or at least informs your thinking.

 

[amalone1013]

She's not good enough to recover it? Someone should be able to.

Our IT dept is saying that now that we are all on ONE drive, they can't get it back

 

[kmc8826]

Okay, I'll be an enabler! Sure, go ahead with the plat IF you think you'll get more mileage out of it than the BBP. I've had mine for 2 1/2 years and it really is a solid card for me. It's nice to have the 5X when booking Delta and another $200 in DL gc is another plus.
Good luck with the app

Aren't we all enablers? That is our specialty. Sad but true.

I saved one of your old posts but just to make sure...when you book online with Delta you have only been able to use one gift card at a time? But if you use your companion certificate and/or do the pay with miles option (pay x amount of miles pay x) it uses the credit? I will wait at least until tomorrow and consider. But the 20k referral and getting the 5 times MR on flights is so tempting. And I am in solid fear of the pop up with Amex so almost feel like I need to get what I can while I can.

 

[afan]

Our IT dept is saying that now that we are all on ONE drive, they can't get it back

That still doesn't seem right. Plus everything all in one spot is just asking for problems unless they are using a cloud backup. Servers fail and then it's all gone. Back in 2000 at an internship it failed and everyone lost their outlook contacts. I've kept a rolodex at any job since then because of that.

 

[palhockeymomof2]

Hi guys. I need SW CP experts....I came here looking for updated advice on earning the SW CP but this thread moves so fast!!!!! DH got the SW Biz in late Oct. My plan is to apply for him for a personal card while in flight this Saturday (SW flight), hoping for the 50,000 pt offer. If I can't get that offer I will be back to ask advice on how to earn the extra 10,000 pts we will need for the CP but don't want to get ahead of myself. If I can't get the 50,000 offer, my plan is to refer him through my SW Plus card so I get the bonus. Is this currently still the best plan? I'm wondering if I should have him call and lower his available credit? His limit on his CSR is $20,000. He has an Ink as well but I don't believe the business cards will count toward his application for a SW Plus correct? I had this plan all down but that was over a month ago and I'm feeling kind of shaky haha. We fly SW A LOT so the CP is extremely valuable to us. If there are any tips on getting the 50,000 offer please let me know. I have actually never used in flight wi-fi before. Thanks for all of you help.

Someone here had the link to apply for the 50,000 offer while not on a flight.....maybe you can find it doing a search and see if it still works....
As far as credit limits..you can send a SM from his online card lowering limits....if his credit limits are close to 50% of income ...this includes both personal and business Chase cards

 

[amalone1013]

That still doesn't seem right. Plus everything all in one spot is just asking for problems unless they are using a cloud backup. Servers fail and then it's all gone. Back in 2000 at an internship it failed and everyone lost their outlook contacts. I've kept a rolodex at any job since then because of that.

Yeah, I think it's more that they don't fully know where to look or something like that. They just migrated everyone over a couple weeks ago.

 

[Lain]

But the 20k referral and getting the 5 times MR on flights is so tempting. And I am in solid fear of the pop up with Amex so almost feel like I need to get what I can while I can.

Not to mention if or when Amex will kill self-referrals or change the referral bonuses/referrable cards.

 

[amcc]

Another full day in Vegas. I have not left the MGM Grand compound today. I worked for 10 hours in the room, wandered around the resort to stretch my legs and look for a snack (and found nothing appealing that wasn't straight junk) and took a nap. Just had dinner at Greek Sneek, a hidden place here I found on my wanders. A civilized Mykonos salad, hummus and wine was the highlight of this day. DH is out with coworkers to a show. i'm happily watching TV and being a hermit. A little Vegas is a lot for an introvert like me and I have to pace myself!

I’m also a huge introvert and I’ve been there twice while my husband works. I spend a lot of time walking the strip and I love being in the casinos although I hate wasting money and I dont play. But the best thing I’ve done is to take free gambling lessons at a few casinos. I’ve done NY NY, Luxor, and another I can’t remember. I didn’t have to talk to anyone and i love math so the tips and rules were right up my alley. If it interests you, just ask at the casino info desk. Have fun!!

 

[shairpdrh]

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.

Me too. Super annoying as I keep trying to add things. Also I am at 100 offers on one card and would love for the offers to disappear so I don't have to keep adding things to my card just to see all of my offers!

 

[tink1970]

Aren't we all enablers? That is our specialty. Sad but true.

I saved one of your old posts but just to make sure...when you book online with Delta you have only been able to use one gift card at a time? But if you use your companion certificate and/or do the pay with miles option (pay x amount of miles pay x) it uses the credit? I will wait at least until tomorrow and consider. But the 20k referral and getting the 5 times MR on flights is so tempting. And I am in solid fear of the pop up with Amex so almost feel like I need to get what I can while I can

I've never been able to use more than 1 gc at a time (which is a pain) but others have called in and used up to 3, I believe.

Unexpectedly, I have had the credit trigger for things I wasn't expecting such as taxes and fees on award flights ($5.60) and change fees (when I had to call in and rearrange flights). I couldn't exactly remember so just found the receipt from Delta online (they do a good job of that now that the website is working). IIRC, I thought it was a credit from pay with miles but was from the change fee instead...apparently I was making a lot of reservations/changes in July so sorry for that incorrect advice.

I have to agree with @Lain that there's a lot of overlap between the biz and personal. Fortunately, I suppose since I'm canceling my biz in Feb!

Things to consider:
Lounges-Your girls are a little younger than my DD but where I've really found the Plat personal to be helpful is adding 3 AUs (DD, DH and DM) for $175 and having that many more Amex Offers AND Centurion/Skyclub lounges. I doubt that would be as enticing if your DH has a plat and/or with your girls being a little too young for AU status (?maybe in the future?). I can't lie, one of the tipping points before they raised the biz AF was @mmmears description of the PHL Centurion lounge I've never had time to spend in the SLC skyclub and I know y'all fly a lot to MCO (there's is kind of old but okay) so not sure how important the lounge is to you.

Saks-as I've said before, I use a ton of expensive sunscreen so this (and other beauty items) are a nice gratuitous perk twice a year. Could you find something you could use?

Uber-I've never used it but if my credit ever loads on my app it will be nice to use. Would you use this or UberEats?

I probably have been no help at all but with a $550 AF best to cover as many things to consider as possible. The 20K referral plus 60K with MSR would be conservatively worth $800-some would value it even more--so that's something to add into the first year benefits as well.

Okay, ending my essay now

 

[LuckyMamaInDE]

Hi guys. I need SW CP experts....I came here looking for updated advice on earning the SW CP but this thread moves so fast!!!!! DH got the SW Biz in late Oct. My plan is to apply for him for a personal card while in flight this Saturday (SW flight), hoping for the 50,000 pt offer. If I can't get that offer I will be back to ask advice on how to earn the extra 10,000 pts we will need for the CP but don't want to get ahead of myself. If I can't get the 50,000 offer, my plan is to refer him through my SW Plus card so I get the bonus. Is this currently still the best plan? I'm wondering if I should have him call and lower his available credit? His limit on his CSR is $20,000. He has an Ink as well but I don't believe the business cards will count toward his application for a SW Plus correct? I had this plan all down but that was over a month ago and I'm feeling kind of shaky haha. We fly SW A LOT so the CP is extremely valuable to us. If there are any tips on getting the 50,000 offer please let me know. I have actually never used in flight wi-fi before. Thanks for all of you help.

I just got it in flight on Saturday There are banners for the 60K (40+20) offer on the website when using plane wifi. I found the 50K offer by clicking on the "live tv" (or such) button. It was a yellow-backgrounded popup with a 'learn more' button that took me to Chase.

 

[LuckyMamaInDE]

Packing folder question for those who use one:

Brand or does it matter? And which size? I'm looking for one for dh for his button-up shirts.

 

[kidsfirsttrip]

dang it I need Dick's and don't have it.

The offers will show up if I log in, but if I log in as DH they don't. I delete app and then get it again and log in as DH and they show but then relog as me and they don't. Anyone else have to delete the app to see them on 2 accounts?

Lol about your first line!!!
I’ve had mine go away and come back. I think if it’s added it should still post. Maybe a screen shot?

We did the uber from yacht club to port. It worked out fine, but I was scared that no one would want to drive that far plus we need an XL. The guy was super nice. We have also done happy limo a couple times without issue. The Minnie vans go there now too. If we were going to be at wdw I would do that for sure!! they don't go airport to port though.

So Minnie van is on the LYFT app? I wonder if you can use Lyft gcs? We need transpo from WDW to port, port to uni, uni to mco so would prob only work for first leg. There are 4 of us so a xl Lyft or uber should work for other trips? I’ll look into Happy Limo. I heard Ace transpo too. Or rent a car.