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

[DisneyMandC]

Here are the restrictions:

Welcome offer not available to applicants who have or have had this product or The Starwood Preferred Guest® Business Credit Card from American Express.

If DH has or had the SPG Biz, he's ineligible.

Welcome offer not available to applicants who

(i) have or have had in the last 30 days the

• Marriott Bonvoy™ Premier Plus Business Credit Card from Chase
• Marriott Rewards® Premier Plus Business Credit Card from Chase
• Marriott Bonvoy Business™ Credit Card from Chase
• Marriott Rewards® Business Credit Card from Chase

If DH still has the Chase Bonvoy Boundless card, he's ineligible.

(ii) have acquired in the last 90 days the

• Marriott Bonvoy Boundless™ Credit Card from Chase
• Marriott Rewards® Premier Plus Credit Card from Chase
• Marriott Bonvoy Bold™ Credit Card from Chase
• Marriott Bonvoy™ Premier Credit Card from Chase
• Marriott Rewards® Premier Credit Card from Chase

(iii) received a new Card Member bonus offer in the last 24 months on the

• Marriott Bonvoy Boundless™ Credit Card from Chase
• Marriott Rewards® Premier Plus Credit Card from Chase
• Marriott Bonvoy BoldTM Credit Card from Chase
• Marriott Bonvoy™ Premier Plus Credit Card from Chase
• Marriott Rewards® Premier Credit Card from Chase

DH got a new cardmember bonus on the Marriott Premier in 2016, but the last year's upgrade bonus may make him ineligible.

Amex has a different pop up warning for Bonvoy cards that'll tell you if you're ineligible for one of their Bonvoy cards because of one of these restrictions. You might be able to get around these restrictions, but I'll save that for DISchurners.

This has to be one of the most confusing restrictions in all of churning! There's just too many stipulations!

This chart is a year old now but I think still might be helpful... https://frequentmiler.boardingarea.com/navigating-marriotts-byzantine-credit-card-rules/

 

[SouthFayetteFan]

This chart is a year old now but I think still might be helpful... https://frequentmiler.boardingarea.com/navigating-marriotts-byzantine-credit-card-rules/

HAHA - I love that the link uses the adjective "byzantine" to describe them!!

 

[speedyfishy]

Happy birthday @speedyfishy!

​

Thank you!!

 

[SouthFayetteFan]

Thanks! My reddit name is deb7069

Welcome to DISchurners!

You're approved and all set! Access the main page here.

You may find this thread: DISchurners - Walt Disney World Tips! to be pretty interesting if you're planning a Disney World trip!

This is a thread we have that highlights the major news events on the main thread: DISchurners - NEWS Thread! This can be especially helpful if you can't keep up with all the comments here on the DIS!

As a reminder most of the discussion does happen here on the boards. On r/DISchurners you can post your own support links and/or use others' support links here:

• Chase
• American Express
• Other/Misc

And of course there's other info there too including some of our best tips from the thread and advanced strategy discussions that you might want to explore! Welcome, thanks for joining!

 

[SouthFayetteFan]

Thank you!!

Apparently that goes in the spreadsheet too...

Have a great day @speedyfishy - any big "churning" plans for your B-Day? A walmart MO run extravaganza??? Haha!

 

[speedyfishy]

Apparently that goes in the spreadsheet too...

Have a great day @speedyfishy - any big "churning" plans for your B-Day? A walmart MO run extravaganza??? Haha!

Thank you! No Walmart on my birthday lol I’m waiting outside of DCA right now about to enter for extra magic hour!

 

[Judique]

Entirely possible my cheap self gets her hair cut there (Hey, it’s cheap and my hair grows fast!)

I used to pay $150-$200 for a trip to the salon. I look just as interesting after paying $19 plus tip at Hair Cuttery.

It is very hard for me to justify expensive luggage (which is why I don't currently have any) LOL. I almost always check a bag for WDW because I just need so much! If I had a nice carry-on and it was gate checked I would probably have a heart attack. My checked bags have scuffs, sticky remnants from tags, and massive yellow lines (I assume from the baggage carousel?). My checked/carry-on set was $99 on sale from Costco and if it breaks, I will probably replace it with something similar.

I have a variety of luggage. Lots of Vera Bradley. Gave away an expensive set of something that I just got tired of. Disney luggage bought from Disney. Gave most of it away. I still have a couple of 22in Disney bags that I love. But - I have a $99 set from Costco - black, soft sided case and a back pack with a tiny bit of red accent on the edge, and that is what I use most.
But @brownhaired_girl posted a link to a Travelon piece that I'm going to buy along with some packing cubes to go along with my Costco set, as soon as I make the 25% off discount jump up again and with the Amex offer. The piece should be perfect for my overnights on the road while my bigger case stays in the car. Thanks @brownhaired_girl !!

 

[SouthFayetteFan]

Thank you! I'm looking forward to learning.

Based on the look of things I'm on 4 accounts opened in 24 months and my wife is on 2. I might've hurt myself opening the Capital One over a Chase. It seemed like so long ago since I opened the Costco card...I thought I only had 3. Does the CIP not fall under the 5/24 since it's a business card?

05/18 - CITI Costco (Mine)
10/18 - CHASE Amazon Rewards (Wife)
12/18 - SYNCB Old Navy Card (Mine and My Wife)
05/19 - Kohl's (Mine)
09/19 - Capital One Venture Rewards (Mine)

You like your store cards I see, haha!

There are mixed reports on when store cards count or don't count but I like to be safe and assume they all count so you're in a tough spot with a lot of new accounts here. I'm going to re-state this and you confirm if this is right:

Player 1: (You)
05/18 - CITI Costco
12/18 - SYNCB Old Navy Card
05/19 - Kohl's
09/19 - Capital One Venture Rewards

• I deleted the Amazon card because it seems that you are NOT an Authorized User on that - is that correct?
• Do you know who the primary cardholder is on the Old Navy? I assume one of you is the primary and the other is just an Authorized User - or did you each separately get an Old Navy card?

Player 2: (Wife)
10/18 - CHASE Amazon Rewards
12/18 - SYNCB Old Navy Card

• I deleted the Costco, Kohls and Cap1 - I assume your wife is NOT an Authorized User on those cards - is that correct?
• Also the Old Navy question holds here as well

The reason I'm proving deeper on this is that it's very important to know your 5/24 status before we recommend cards. I can easily say it's worth going for a Chase Ink Preferred right now as that shouldn't mess anything up BUT any other moves could cause you issues down the line. Authorized user accounts will also count so that's why I'm asking lots of questions around that.

I like to verify my card stats using a FREE account from Experian.com and CreditKarma. (I usually check both). That would be a way to 100% verify what accounts are showing on each of your credit reports as new in the past 24 months. If it seems like we're harping on this, it's for good reason. You don't want to end your run with Chase before it even starts

 

[LilSweetPeaPhoto]

I don't have a purple problem, but I do have an iPhone problem, and I have NEVER kept a phone 3 years in my life, like the one I currently have.

Well I guess the "good" thing is, I wouldn't trade down my XS for the 11. And my XS is gold (looks more rose gold) and in a purple sparkly case anyways. My phone no matter the color is in a purple case. The purple phone would be in a purple case, LOL. I used to upgrade only on the number years. I had the OG then then 4, 5, 6, 7 (only because it was free from ATT) and I rode that until I finally did the XS, which was spawned by my daughter needing a phone.

Anyone w/ ATT, I've got the number on the $400 off any phone......They don't like to advertise it, but we used it last fall to get my XS, my DD's 8 Plus and my son a 7 (his was only $.99). I'll be sitting this round out, unless something happens to my phone. We only have 1 "slot" left that we can get the $400 discount on for the next year, LOL.

 

[LilSweetPeaPhoto]

I have a phone problem, too, but the opposite--I hate to get rid of my current phones and have had my current one almost 5 years. I know it's only a matter of time before it has to be upgraded but I dread that, in part because it will mean I need to go through all of the photos on my phone. Which brings me to a question--does anyone know an easy way to get prints made from photos on the iphone? My current method is to email the photo to myself, download it onto my computer, then upload it to Costco or Walgreens or Shutterfly. I would be surprised if there is not some more efficient way to do it.

You should be able to upload directly to an app.

 

[elgerber]

So annoying, I cannot quote anymore, only reply. Is this happening to anyone else?

I cannot believe someone hasn't heard of Great Clips, I thought they were national. I worked there in college, in 1987 LOL.

It looks like my employee card on DH's new Delta Amex is in the mail today, just in time to order that lovely new phone on Friday!!! That will wipe out over 1/3 of the min spend. More if dh decides he wants one too.

The Bonblah rules, make my head hurt. Dh and I both had Biz SPG in early 2018 so I just make the assumption we are not eligible for any cards for there until at least Spring of next year.

 

[LilSweetPeaPhoto]

TPH= Total Package Hockey. They are a for-profit organization and bought the Jr Predators (our club) last year, so this is the first year they are running the show. My kiddo is a 2nd year squirt and there is no AAA for his age, but next year ages up and there is a AAA Jr Predators at that point. People do travel from other states to play on that team. I don't even know how the logistics work for that...it seems insane.

Ice time is hard to come by in Nashville b/c we have only 2 rinks, and all the clubs, house leagues, high schools, adult leagues, and figure skaters have to share. A 3rd rink is supposed to open next month. It is a mess right now.

Last year there was a lot more travel, but it seems everyone wants to come to nashville for tournaments, so this year they are coming to us mostly and we only have to go to Atlanta, Grand Rapids, Detroit, and Chicago.

Well let me know when you're in the D! Who knows maybe we'll be in that tournament too, LOL. If you remember our tournament to Nashville got cancelled AFTER I booked the airfare using points! I was SOOOOO pissed at that! This year the only travel I know of is Buffalo, NY. We'll see what else his team does. As for rinks, we probably have 20 within 20 minutes, LOL.

 

[WVMomof3]

Well I guess the "good" thing is, I wouldn't trade down my XS for the 11. And my XS is gold (looks more rose gold) and in a purple sparkly case anyways. My phone no matter the color is in a purple case. The purple phone would be in a purple case, LOL. I used to upgrade only on the number years. I had the OG then then 4, 5, 6, 7 (only because it was free from ATT) and I rode that until I finally did the XS, which was spawned by my daughter needing a phone.

Anyone w/ ATT, I've got the number on the $400 off any phone......They don't like to advertise it, but we used it last fall to get my XS, my DD's 8 Plus and my son a 7 (his was only $.99). I'll be sitting this round out, unless something happens to my phone. We only have 1 "slot" left that we can get the $400 discount on for the next year, LOL.

I would like to know about the $400 off please.

 

[Lain]

Thank you! We're staying at the Conrad Osaka though, so plenty of availability there

Didn't know if you were still trying for the Conrad Tokyo!

 

[ten6mom]

I've gone there on Hilton Head Island and got an excellent cut for $7. My tip was more than the cut! Then I went back on a subsequent trip and the place was so crowded it was just too long to wait.

I was just going to say, use the "Check In" feature on their app because...

We always use the online check in for haircuts because the waits can get ridiculous.

... but @Haley R beat me to it!

 

[elgerber]

Oh, forgot a couple more comments.
I don't remember exactly how old my dd was when we got her a phone (smart phones were not a thing yet, she actually didn't get one of those until college, because she had an iPod touch), but it was maybe 4th grade? It was the day after I got stuck in traffic caused by an accident on the way to pick her up from dance, and she was standing outside the door of the school in the dark crying. That killed me! I went straight to Verizon on my lunch break the next day.
She currently has the SE and loves the small size, if she wants to upgrade though now, she is an adult and has to pay for it LOL. That teeny screen is crazy, I can hardly see when she shows me things.
As far as photos on my iPhone, when I want to remove a bunch, I just plug it into my computer, open it as a hard drive, and just move the photos out of the phone folder onto my computer.

 

[LilSweetPeaPhoto]

Weve always done a carry-on for both wife and I and backpacks for everyone else. My now 6 (today, happy bday Ellie!) year old has done a backpack but it gets heavy after a while and I've second guessed myself on her not simply getting a carry-on instead. I think if I were to do it all over again, I'd get her a carry-on and then when she is around 10-12, getting a backpack to supplement the carry on.

This was our setup (kids are on the floor- little one for 6 year old and big one for 10)

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Hey- I'm cheap and was raised by a dad you'd think grew up in the depression.


Small advice- I'd never cancel a Hilton Personal. I'd always downgrade to the basic no fee and wait for an upgrade offer. They pop up every couple months and it's a "free" ~120k points. I even downgrade a couple months after I get the bonus and repeat it 2-3 times a year.

Wait? You can get bonuses again for upgrading? I have the Apsire and Surpass/Ascend/whateverthenameistoday. I've been keeping the surpass as it's grandfathered into the free night a year. So I'll likely be keeping it. I was going to cancel the Aspire outright. If I downgrade I miss any SUB on the free Hilton. But are you saying I'll get upgrade offers on it? Can I upgrade if I keep the surpass? And then you can downgrade and repeat?

 

[LilSweetPeaPhoto]

Another Purpleologist here! I have a purple case. That will have to do as I don’t want to spend any money on a new phone.

All us purple lovers unite!

 

[DisneyMandC]

Didn't know if you were still trying for the Conrad Tokyo!

Nope, we're just doing the Hyatt Regency and the Hilton Tokyo Bay there. I looked at Conrad Tokyo briefly but with all the difficulty with award space I decided it wasn't worth it.

 

[LilSweetPeaPhoto]

What is the best airline card for miles? What about best for other perks? We don’t fly often (haven’t flown in over 4 years) but now we have 2, potentially 3, flights this year (one international). Closest major airports are CLT and ATL. Flying SW to MCO for W&D half but probably can’t get a SW card in time (last chase app was 8/20). Not sure it even matters since the trip is already booked. Do the sapphire cards have any travel perks?

CLT- is AA
ATL- is Delta

I personally have loved flying AA on miles. I've done it a ton in the last 2 years.