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

[Lain]

Remind me, do employee cards on business accounts count for 24 status?

My mom decided on going for a companion pass. I wasn't sure it's the right path for her but after explaining lots of cards to the best of my knowledge she was sure it was what she wanted. She wants to add her husband as an employee of possible.

Nope, you can add DH to all of your CCs and not impact his x/24 status. I did that for AmEx to get more offers

Just want to be clear that the general rule is if the biz card doesn’t report, then employee cards on that biz card don’t report. This isn’t free rein to add P2 to “all of your CCs.” Obviously, don’t add P2 as an AU to any personal cards or an employee to any biz cards that report. Chase biz cards don’t report, so that should be fine.

 

[Alice Sr.]

Look over the credit lines on all your Chase cards, decide how much you actually need. If you plan to PC any of the cards, know that you need to keep at least $5k to open or PC to a Visa Signature branded card (like the CSP) and $10k to open or PC to a Visa Infinite branded card (like the CSR), or have enough available credit on another card to move to the card you want to PC. You can move credit between biz<>biz and personal<>personal, not biz<>personal. Send a SM to Chase with a request to lower your credit line on the card(s) you want it on.

What about other entities or do they only look within? I could cut $40k without a 2nd thought but that would be BoA, Discover and Cap1. I would still be over 50% though so would I need to cut into Chase CL to be safe.?

 

[Lain]

What about other entities or do they only look within? I could cut $40k without a 2nd thought but that would be BoA, Discover and Cap1. I would still be over 50% though so would I need to cut into Chase CL to be safe.?

Chase cares about limiting their own exposure to risk, so they’re concerned about how much credit they’ve already extended you when you apply for another card.

 

[Alexle2007]

@Judique I think you were asking about the pool at the Bethany Beach Residence Inn...but there’s a picture showing it enclosed.
https://www.certifikid.com/deal/48549/bethany-beach-ocean-suites-wizard-themed-getaway

 

[Moneypenny]

Yep, that's it. He has no activity that isn't directed by me. At any rate, I'll have him call. Thanks for your help!

Just updating to say that this is apparently the problem. The letter came today with the reason for denial:. "Too few open credit card accounts.". **sigh*"

 

[Alice Sr.]

Chase cares about limiting their own exposure to risk, so they’re concerned about how much credit they’ve already extended you when you apply for another card.

That makes since but why do they give you so much then? I don't want to give it back. I must be a closet CL hoarder. Guess I need to include that with DVC as an addiction.

Thank you for your advice I will look at whittling away at my Chase CL.

 

[IFlossU]

Just received this email from Plastiq. Hope it helps some of you.

Make your EOY a little brighter with lower fees. Until December 22, we’ll reduce your fee to 1.5% on up to three payments($10,000 or less each) for business and personal expenses.



With Plastiq you can pay virtually any vendor or business, anywhere in the world with your Visa, Mastercard, Discover, or American Express.



Make sure your payment is processed before 11:59 PM ET on December 22, 2019.

 

[Alexle2007]

Just received this email from Plastiq. Hope it helps some of you.

Make your EOY a little brighter with lower fees. Until December 22, we’ll reduce your fee to 1.5% on up to three payments($10,000 or less each) for business and personal expenses.



With Plastiq you can pay virtually any vendor or business, anywhere in the world with your Visa, Mastercard, Discover, or American Express.



Make sure your payment is processed before 11:59 PM ET on December 22, 2019.

I keep hoping for that email and not the crappy ones they keep sending me.

 

[WVMomof3]

Ughhhh, I was at Target FOREVER today. Had the hardest time with the dumb circle app. I don't know if it was my phone's fault or the app. But I wasted a good amount of time trying to get it to load so I could add some offers. It worked for about an hour, then just quit. I kept getting circle of death. Even restarted my phone. Was about to abandon my cart and leave then miraculously started working again. Then I get to the registers and there is seriously ONE open register. With a long line. By the time I finally got to the registers I was in a hurry to leave to pick up DS. I had my phone ready to show for the offers and she said just put your number in and the offers should load. Great, fine. Did that and asked are you sure that worked? Yes, your total is $xxx,xx Ugg, just tried to get to $100 for a $20 off coupon, ended up getting to $200. And I pulled out my CIP I am working MSR on and pay for it so I can leave. Fast forward 3 hours I am sitting at home realizing that I freaking loaded the app with my $300 giftcard on the way into the store so I could use it today. Totally forgot in the moment with trying to get out of there quickly. I really try to stay away from target and now I have $300 plus a $50 giftcard my dad gave me that I was going to use up too. And looking at my receipt I see that the circle coupons worked, but I also had an extra 5% coupon that did not work. I am really ticked. That is almost $10 that I should have had off. She told me that the phone number will pull the offers. My rant for the day. Thanks for listening, nobody else will. lol

 

[PaintsWithAllTheColors]

I keep hoping for that email and not the crappy ones they keep sending me.

Keep your fingers crossed, I got one Tuesday for 1% on 3 payments of up to $20,000. Of course, the only thing I could possibly use plastic for is my mortgage which doesn’t work with CCs

 

[WVMomof3]

Just received this email from Plastiq. Hope it helps some of you.

Make your EOY a little brighter with lower fees. Until December 22, we’ll reduce your fee to 1.5% on up to three payments($10,000 or less each) for business and personal expenses.



With Plastiq you can pay virtually any vendor or business, anywhere in the world with your Visa, Mastercard, Discover, or American Express.



Make sure your payment is processed before 11:59 PM ET on December 22, 2019.

Yay DH got this one too. I was just thinking that neither one of us have gotten any Plastiq emails in a while. We used to get something from them at least once a week and I know DH hasn't had any emails at all since Nov 11th. I delete mine, so it is hard for me to tell, but I don't remember getting any either.

I was really hoping for the promo to pay tuition, but that Dec 22 date may mess me up. I need a new card first!! I'm a procrastinator.

 

[WVMomof3]

Keep your fingers crossed, I got one Tuesday for 1% on 3 payments of up to $20,000. Of course, the only thing I could possibly use plastic for is my mortgage which doesn’t work with CCs

You can pay mortgage with Mastercard or Discover. A lot of us use Plastiq for this.

 

[bernina]

Keep your fingers crossed, I got one Tuesday for 1% on 3 payments of up to $20,000. Of course, the only thing I could possibly use plastic for is my mortgage which doesn’t work with CCs

You can pay mortgage with some Mastercards (US Bank stopped allowing it though) and for us our property taxes are due in Feb so if I get the 1% offer I'll definitely pay them early.

 

[PaintsWithAllTheColors]

You can pay mortgage with Mastercard or Discover. A lot of us use Plastiq for this.

You can pay mortgage with some Mastercards (US Bank stopped allowing it though) and for us our property taxes are due in Feb so if I get the 1% offer I'll definitely pay them early.

wow that is crazy good news... all I currently have is Visa and AMEX so now I’m on the hunt for a MC or Discover! Thank you!!

 

[DisneyMandC]

.

 

[mmmears]

Just want to share something bizarre that happened to me with AA tonight. I logged into my account and noticed that my flights to/from Japan kept alternating airports. I was booked into/out of Narita and sometimes it would show I was flying into Haneda, but then I'd refresh and it would show I was flying into Narita but out of Haneda. I called AA and the rep told me that JAL was no longer doing the flights into/out of Narita and were only using Haneda. Which is fine, since I actually would've preferred to fly into Haneda in the first place since it's closer to Tokyo. So she tells me she can get it all reset correctly for me and I can choose my seats. Well, somehow the 1:30 pm flight on June 8 no longer had availbaility (still don't really understand this... but ok??) but the 1:45 AM flight did. So now we are flying out of JFK at 1:45 AM and getting to Tokyo at 4:45 AM June 9. Our flight out of Haneda back to NYC is the same time/date as before. Both are in first class and I was able to chose our seats in the first row of the plane, which is nice.

Anyways, I write this to say check our trips out frequently because I received NO NOTIFICATION of this at all via email! And I'm not the type to just zip past an email and ignore it or not check my spam. I 100% was not notified about this. So I will be obsessively checking my flights now!!

I guess the pros here are:
1. No longer need to pay for a hotel in NYC for the night of June 7 (we were flying in a day early). Now I'll just fly in that morning and then be at the airport around 11 pm for our flight lol.
2. We arrive 12 hours earlier to Tokyo on June 9.
3. Flying into an airport closer to Tokyo.
4. Still in first class there and back so can sleep on the 1:45 am flight.

Cons:
1. 1:45 AM flight time. Gross.
2. Maybe need to book another night at the Hyatt in Tokyo for June 8? Even though we won't actually be there until the morning of the 9th. I'd like to be able to go straight to the hotel and drop our luggage and shower/rest.

I'm so glad you checked. AA is notorious for NOT notifying people of changes, cancellations and stuff like that. Did they take away the seats that you had already booked though? Because that's really not ok even if it does work out.

 

[nlbergsten]

My first thought would be to use it through Delta Vacations. You do have to book a flight for at least 1 person and hotel for 2 nights, so you may want to price the difference between Southwest and Delta for your flight/hotel combo. Several people on her booked a "throwaway" flight to Orlando so they could book Disney hotels and/or purchase Disney tickets for a reduced price, then flew Southwest to Orlando.

Next idea would be to sell it on Raise or CardCash. You would lose some value, but you would have cash to use it for whatever you like.

You can probably do a Delta Vacations hotel/transportation package (check the fine print on the gift card). If it's a WDW onsite hotel then you can add Magical Express as the transportation (free). You can also add park tickets.

Thanks, I'll look into this. It's just killing me paying taxes on this as it's considered income as part of his bonus, and then paying more for the flights and baggage fees and then having to layover in Atlanta and take longer to get there. It is just quickly dwindling to hardly any value for me.

 

[AmyAnne]

Since we're talking about the Aspire, I have a few questions. First, has anyone had success with a retention offer for this card? I opened mine 12/20/18 so the AF should be posting soon. I actually am on the fence about keeping this card.

Relatedly, does anyone know if the resort credit and/or incidentals credit can be used for gift cards if purchased while staying at one of the resorts and charged to the room? There are a few resorts within driving distance; I'm thinking I could do a Saturday night stay for ~$150 and purchase a GC to use the remainder.

 

[CyndiLouWho]

Here is what you are looking for, my friend!
https://www.instacart.com/costco/products/3221214-french-s-crispy-jalapenos-20-oz

I have never ever seen those here. In any store. The Aldi ones come in 3 varieties, jalapeño, poblano and red pepper I think. But the poblanos have lime flavor and aren’t spicy enough so I stock up on the jalapeños.

Tell me your strategy for getting the CP with two biz cards? Will Chase let you get both? I applied for this card today also. Thanks!

Yep. DH got the the Premier Biz and Performance Biz. Done.
But yes read @SouthFayetteFan post for all the details.

I’m just surprised companies still expect people to pay by a check. I guess it’s for people like my mom who just stopped using checks at the grocery store this year lol

I am probably older than your mom, but I hate hate hate checks. That said I have 2 payments I have to pay with a check (actually one could be cash ). My car payment is thru our credit union, no electronic payments or CC. I tried Plastiq and the credit union denied it or Plastiq cancelled it or something crazy and I ended up paying a late fee and return check fee. The other is a twice yearly insurance payment which I can’t get to work with Plastiq either.
There’s also DSs school stuff, anything for PTA is cash or check but I’d hate to send a 10 yo to school with $50 or $100 cash. I’m pretty sure the middle school registration is by check or cash only as well as I took my niece last year and didn’t notice an option for CC. Ugh. They really need to get with the times. The 20 something parents probably just pay cash at school if they don’t have checks.

 

[CyndiLouWho]

Thanks, I'll look into this. It's just killing me paying taxes on this as it's considered income as part of his bonus, and then paying more for the flights and baggage fees and then having to layover in Atlanta and take longer to get there. It is just quickly dwindling to hardly any value for me.

Yeah that sucks to pay taxes. I once “won” a restaurant GC from my employer for a contest I didn’t enter. They wanted me to walk across the street middle of winter with a broken leg to retrieve said GC. I asked them to send it interoffice mail or just forget it, and they said they’d keep it until I could come get it, but in the meantime they took the taxes out of my paycheck. Something like $3 on a $25 GC. It ended up being for Applebee’s which there are none of in my area so I gave it away. So I paid money to give my winnings to someone else. Lol.