I love credit cards so much! v2.0 (see first page for add'l details)

[Haley R]

I made the purchase at 8 pm last night, got an email from NewEgg right after. At 8:40 I got an email from Amex. Nothing since then. I can still see the order on my NewEgg account and charge is pending on Amex.

Except Florida gets that all summer. The Midwest gets it for a week or 2.
Plus you get lovely hurricanes.

I just got my Biz Card this week. I never did get the arty version of the Bonbon personal Card. I think I still have the metal version that was the SPG Lux (I downgraded it months ago)

I will gladly take this weather in the summer vs winter in Iowa. I’m not too worried about hurricanes where we live either

 

[miztressuz]

Chase has taken to begging for the IHG card upgrade. Just got this email subject line -

" **** Please open: miztressuz you've been selected to upgrade"

No other incentive, they're pushing 'but you'll earn 25x points at IHG properties' as the draw.

Which is interesting because if they actually looked at my account I haven't spent money at an IHG in over a year. We've been focused on status for Marriott for this trip this year and lifetime 'perks'. Although I'm debating about pushing for Lifetime Gold so quickly since Marriott in the infinite wisdom/IT-dom gave it to hubby already despite being well below the qualifiers both from the old and new criteria. We'll hit Gold this year and then I'll see what happens when the membership year changes - if he stays Lifetime Gold or goes back to the legit Lifetime Silver. Then we'll decide if we switch it up or keep focus on Marriott. But they'll have to pry my $49 free night out of my cold, dead hand if it were up to me

 

[miztressuz]

I just got my Biz Card this week. I never did get the arty version of the Bonbon personal Card. I think I still have the metal version that was the SPG Lux (I downgraded it months ago)

I finally got the email for the Biz card that I should be getting a replacement card "soon". Still nothing on the artsy personal card front.

 

[MarBee]

Question about raising credit limits...
DH has the CIP. He recently got an email congratulating that his credit limit on the card had been raised. He never asked for it to be raised. He only had a small limit on the card to begin with (raised from $5,000 to $6,200).
My question is- is this a bad thing or a good thing? Maybe it’s neutral?
Should I have him call chase and lower the limit?

For the record, he has the following cards if this makes a difference:
CSP
CF
SW Plus
SW Premier
AA citi business
Amex bonvoy
Amex Bonvoy Business

He is either at 4/24 or 6/24 (he opened the Amex and citi business recently when he got the CIP. If those two don’t count against his 5/24 then he is at 4/24. If it does then he’s over...)

Thanks in advance for any input!

 

[DisneyMandC]

Finally purchased my trip insurance for Disney in case Hurricane Melissa decided to come along with Tropical Storm Melissa (which is how I'll be referring to myself from now on).

 

[mmmears]

New Amex Offers
Spend $25 at Bed Bath and Beyond get $5 back. EBags spend $100 get $20 back. California Pizza Kitchen spend $40 get $10. Idk if this is well known but I add all the offers im not going to use to a sock drawer card. I feel like I get more offers that way.

Thanks for the heads-up. It made me check Amex again and I found all 3 of them on my cards.

 

[smmco]

Looks like it expires at the end of August according to the Amex website. I think I'll probably try to get one for DH if Amex will give him another card. Not sure which I'll go for yet. I was going to do the start at the bottom of the Hilton cards and go up from there, but honestly I'm not even sure if that's a viable path anymore considering how picky Amex has gotten.

Can you apply for a business HH if you have the Aspire card?

 

[palhockeymomof2]

Question about raising credit limits...
DH has the CIP. He recently got an email congratulating that his credit limit on the card had been raised. He never asked for it to be raised. He only had a small limit on the card to begin with (raised from $5,000 to $6,200).
My question is- is this a bad thing or a good thing? Maybe it’s neutral?
Should I have him call chase and lower the limit?

For the record, he has the following cards if this makes a difference:
CSP
CF
SW Plus
SW Premier
AA citi business
Amex bonvoy
Amex Bonvoy Business

He is either at 4/24 or 6/24 (he opened the Amex and citi business recently when he got the CIP. If those two don’t count against his 5/24 then he is at 4/24. If it does then he’s over...)

Thanks in advance for any input!

He’s at 4/24....the Amex and Citi business cards will not show up on his credit report.
As far as the CL....if he’s going to apply for more Chase cards....Chase looks at credit they have extended him on both personal and business cards...so if he is close to 50% of household income he may want to reduce some limits before applying

 

[afan]

Missed that the no fee was only on the 200 cards at staples. Oh well. I'd rather get.the 500 to be able to make one mortgage payment instead of the 3 I'd have to do with the 200s just to pay 400.

Chase has taken to begging for the IHG card upgrade. Just got this email subject line -

" **** Please open: miztressuz you've been selected to upgrade"

No other incentive, they're pushing 'but you'll earn 25x points at IHG properties' as the draw.

Which is interesting because if they actually looked at my account I haven't spent money at an IHG in over a year. We've been focused on status for Marriott for this trip this year and lifetime 'perks'. Although I'm debating about pushing for Lifetime Gold so quickly since Marriott in the infinite wisdom/IT-dom gave it to hubby already despite being well below the qualifiers both from the old and new criteria. We'll hit Gold this year and then I'll see what happens when the membership year changes - if he stays Lifetime Gold or goes back to the legit Lifetime Silver. Then we'll decide if we switch it up or keep focus on Marriott. But they'll have to pry my $49 free night out of my cold, dead hand if it were up to me

Got an email to upgrade my hyatt for 5k points. Umm no you keep increasing the offer so I'm going to wait you out. I don't need the other card even if the af is only 20 more.

 

[DisneyMandC]

Can you apply for a business HH if you have the Aspire card?

Already have the business card. I don't think Amex restricts you on which Hilton cards you can have, but someone correct me if I'm wrong.

 

[GZanta77]

Just got an email from Amex announcing that my HHonors Ascend card is now called Surpass........thing is I don't have an ascend card.........it was upgraded to an Aspire just over a year ago.

 

[AmyAnne]

Thanks! I’m planning to see if my parents and brother want to be added to get TSA or Global Entry. They don’t care about it taking up a 5/24 slot. I’ll be closing my Platinum when the annual fee comes due in August so trying to squeeze these in. I also have a promo for 5K MR for each AU added that spends $500. I would plan on spending the $500 for them but it’s a nice little bonus in addition to getting them GE for no fee.

DoC posted about two new Amex Hilton offers on the Surpass (previously Ascend) and Biz this morning:

https://www.doctorofcredit.com/amer...o-130k-points-free-weekend-night-certificate/
https://www.doctorofcredit.com/hilt...d-130k-points-free-weekend-night-certificate/
Not the highest SUB points-wise, but the welcome offers include a Free Weekend Night Certificate, which may have outsized value for some people.

New offers for the Hilton cards. The Biz and Surpass (fka Ascend... which was fka Surpass ) have a free weekend night cert + 130k Hilton points.
That's actually pretty good when you consider they count Fri, Sat, and Sun as weekend nights. I'm using 70k for a Friday night in Sep, that would have given me an equivalent value of 200k Hilton if I took this offer.

Slightly higher MSR than usual, it's 4k but you have 4 months instead of 3.
ETA: Oops, missed that the Biz is actually 5k in 4 months. I thought both were 4, I was wrong!
https://www.doctorofcredit.com/amer...o-130k-points-free-weekend-night-certificate/https://www.doctorofcredit.com/hilt...d-130k-points-free-weekend-night-certificate/
Also the no fee card went up to 90k for 2k, in 3 months. Previous best was 100k for 1k I believe.

DoC got it from here:

https://www.reddit.com/r/churning/comments/ceqv4v

It’s definitely an all-time high. At a minimum, the free night should be used at a 70k hotel (or preferably 80k+). And with the recent minor deval, it makes the FN that much better.

Here was my take on it from that thread:

For those not in the know, that Free Night should be estimated at 70-80k or 60-64k if you’re a “5 nights at one spot” person.

Either way, this is an incredible offer. Ends 8/28

For both the Surpass and Business offers, keep in mind there is a 2nd Free Weekend Night you receive after spending $15,000 on the card. Because the MSRs are $4k and $5k, respectively; that means you can spend $11k or $10k for the 2nd night (+ points earned). Even at the base spend of 3x, when you add the free night, it becomes more like 11x return (or ~4.4%). Not terrible. If you’re an organic spend person, I’d still target MSRs; but if you MS or have high organic spend, I’d get to the $15k.

Now: specific for Disney - remember that Hilton is valuable for Tokyo Disney if that’s an aspirational trip. Regardless if under 5/24 or not; if you haven’t gotten this yet, grabbing at least the Hilton Business should be a no brainer here.

I’m personally going to get the Surpass for both me and P2 but will wait a couple days to see if referral offers elevate first.

Thanks for posting about this. The AF just posted for my Biz Gold and that's getting cancelled soon; I was hoping to get another biz card before cancelling in case cancelling ends me up on the pop-up list. I was debating between the Hilton and Delta but it looks like Hilton is now the better choice.

 

[Judique]

I'm glad I'm not the only one with this problem! I had like 3 ending in the same 4 digits,had to delete and the re-add the one I wanted to use on Amazon b/c I lost track!

whoa. I wish I had a costco next to an Aldi...... I much prefer a simple Aldi run to a costco visit....Aldi is much better for my ADD mind! small,cheap,easy to get in and out without buying WAY too much stuff! I actually only keep my membership b/c of the continued discouns on car rentals which I can't seem to beat anywhere! (And I visit about twice a year,but that's always bad for my budget)

Our Costco is smaller and under utilized, which makes me worry that it will disappear. I'm usually in there at least once a week and many of my visits are short as I buy the same things such as water, cat litter, milk, eggs, meats, breads. And I'm close so it's no big deal.

For Aldi I find I wait more at the cash register as they usually have only one or two cashiers open.

Our Costco has 6 self checkouts plus the regular checkouts and you can take anything through them as they have someone stationed there to come scan your big items such as water so you don't have to get it out of the cart. Plus I have never seen the parking lot full, ever. The other 5 Costco stores within 35 miles or so are zoos.

 

[elgerber]

Just got an email from Amex announcing that my HHonors Ascend card is now called Surpass........thing is I don't have an ascend card.........it was upgraded to an Aspire just over a year ago.

LOL I just got that too, but I closed mine forever ago. The email actually came from Hilton though, not Amex.

 

[havaneselover]

Our Costco is smaller and under utilized, which makes me worry that it will disappear. I'm usually in there at least once a week and many of my visits are short as I buy the same things such as water, cat litter, milk, eggs, meats, breads. And I'm close so it's no big deal.

For Aldi I find I wait more at the cash register as they usually have only one or two cashiers open.

Our Costco has 6 self checkouts plus the regular checkouts and you can take anything through them as they have someone stationed there to come scan your big items such as water so you don't have to get it out of the cart. Plus I have never seen the parking lot full, ever. The other 5 Costco stores within 35 miles or so are zoos.

I’m so jealous. Mine is a nightmare and no self checkout but I keep gong back for the rotisserie chicken!

 

[trenty]

Regarding Amex account numbers. My 12th digit is a 5. What does that indicate?

 

[CyndiLouWho]

[QUOTE="afan, post: 60852442, member: ]
Got an email to upgrade my hyatt for 5k points. Umm no you keep increasing the offer so I'm going to wait you out. I don't need the other card even if the af is only 20 more.
[/QUOTE]
I just got that too, and they’re taking away price protection. No thanks. Unless they offer at least 15k for upgrade, I’m holding out.

 

[Lain]

 

[wendow]

I can't do it...I use the capsule form. I wish I could but I can stand the smell. I do use a half teaspoon of himilyan salt on my fasting days. Mix those it could be a nice drink...but I just can't.

I take the capsules too (and occasionally drink the liquid) but I usually just use the liquid for soaking beans. What do you take the salts for?

 

[schmass]

Ugh, I wish I could get the Hilton Biz card but I just tried and got the pop-up AGAIN!