I love credit cards so much! v5.0 - 2022 (see first page for add'l details)

[nhgirl]

So both DH and I have the Cap One Venture X. Coming up on a year for both of us. I am going to keep mine (don't need 2 of them). Anyone know if we are able to Double Dip the $300 Travel Credit? I know we can with Chase CSR not sure if it works for Cap One or not.

DH did the MDD with the Sapphires in June. I forgot how the travel credit Double Dip works. I’m guessing he gets the travel credit after he’s had the card one year, he uses the credit then either cancels or pc’s the card within 30 days to avoid the AF? Is that correct?

 

[CyndiLouWho]

So I'm thinking of pulling the MDD in November, which will give me probably enough time to hit both MSR (w/ taxes in Jan and insurance in Jan too). I don't have any Sapphire products currently. In fact it was back in 2016 today that I got my CSR, LOL. So I'm guessing I should lower the CL on the CFF (which is what I downgraded to when I got rid of the CSR), right? I think it's like $17k. What do I need available for the MDD? Also I'm thinking I do the CSR first as I want that one more if I don't get approved for the MDD.

From looking at my chart, this will make me 5/24 and I'll drop back below in Jan 2023. So I think it's a perfect time to finally do the MDD since I'll be tied up meeting the SUB and it's the holidays. I can have my mom use my card, LOL. Anything else I'm not thinking about?

If CFF is your only Chase card, I don't think you need to lower the CL. CSR needs $10k IIRC. As long as your total CL <50% income, you should be good.

 

[FreeDiningFanatic]

So both DH and I have the Cap One Venture X. Coming up on a year for both of us. I am going to keep mine (don't need 2 of them). Anyone know if we are able to Double Dip the $300 Travel Credit? I know we can with Chase CSR not sure if it works for Cap One or not.

DH did the MDD with the Sapphires in June. I forgot how the travel credit Double Dip works. I’m guessing he gets the travel credit after he’s had the card one year, he uses the credit then either cancels or pc’s the card within 30 days to avoid the AF? Is that correct?

Don't forget you also get 10k anniversary points. Seems there may be DPs of the credit taking a while to post, so perhaps that's risky to try for? Also, seems C1 may work a little differently on AF refund requests at cancellation. So it sounds like there's speculation that Cap One issues a statement with a Renewal Notice (different from posting an Annual Fee). You have 45 days from the last day in THAT billing cycle to request account closure and avoid AF. Some are speculating that this gives you only about 15 days after AF posts. Might be ideal to check your statements now and see if you have that Renewal Notice. Please update us with some DPs. Some things I pulled from FT:


Q: if i may clarify that let's say AF is posted on Nov 1, C1 will issue a full refund up til Dec 15, correct?
A: No. The 45 days is measured from the statement on which the Renewal Notice appears, which is one month before the Annual Fee is billed.

 

[elgerber]

Don't forget you also get 10k anniversary points. Seems there may be DPs of the credit taking a while to post, so perhaps that's risky to try for? Also, seems C1 may work a little differently on AF refund requests at cancellation. So it sounds like there's speculation that Cap One issues a statement with a Renewal Notice (different from posting an Annual Fee). You have 45 days from the last day in THAT billing cycle to request account closure and avoid AF. Some are speculating that this gives you only about 15 days after AF posts. Might be ideal to check your statements now and see if you have that Renewal Notice. Please update us with some DPs. Some things I pulled from FT:

View attachment 711632
Q: if i may clarify that let's say AF is posted on Nov 1, C1 will issue a full refund up til Dec 15, correct?
A: No. The 45 days is measured from the statement on which the Renewal Notice appears, which is one month before the Annual Fee is billed.

I do not see this yet, my next billing cycle ends later this week. I will look to see what it says then.

 

[ten6mom]

Don't forget you also get 10k anniversary points. Seems there may be DPs of the credit taking a while to post, so perhaps that's risky to try for? Also, seems C1 may work a little differently on AF refund requests at cancellation. So it sounds like there's speculation that Cap One issues a statement with a Renewal Notice (different from posting an Annual Fee). You have 45 days from the last day in THAT billing cycle to request account closure and avoid AF. Some are speculating that this gives you only about 15 days after AF posts. Might be ideal to check your statements now and see if you have that Renewal Notice. Please update us with some DPs. Some things I pulled from FT:

View attachment 711632
Q: if i may clarify that let's say AF is posted on Nov 1, C1 will issue a full refund up til Dec 15, correct?
A: No. The 45 days is measured from the statement on which the Renewal Notice appears, which is one month before the Annual Fee is billed.

I need to remember all this for next August... I guarantee I will not actually remember!

 

[elgerber]

Sorry, yes a retention offer via chat.

Did you just flat out ask for a retention offer, or did you word it differently? I just got my CP so guessing my AF will show up shortly.

 

[newski_mom]

We are looking into doing an extended family trip between Christmas and New Years. We were originally thinking a cruise, but I think we've waited far too long to book that!

So, we've switched gears and are looking at San Antonio - DH and I have been twice and stayed in the Hyatt Regency and the Drury, both right on the Riverwalk. Are there any other hotels we could pay for with point right on the Riverwalk?

Any suggestions of things to do during the holiday season? There will probably be 12 of us ages 13-78 (my mom, my sister's family and my family + 2 boyfriends). I think my nieces would probably enjoy Sea World and it looks like the Riverwalk has lots of lights up for the Christmas season which would be beautiful I'm sure.

I have UR & MR that I can transfer to hotels. I love the Regency's when DH and I went and it's so reasonable on points, but they just have double beds so it would be hard(er) to put 4 in a room (I know that sounds very spoiled lol)! But we would probably have 4 rooms total - one for DH, DS and me; one for 2 DDs and their boyfriends; one for my sisters family (2 adults, and an 18 & 13 yo) and one for my mom.

 

[projectx3]

deleted

 

[afan]

Did you just flat out ask for a retention offer, or did you word it differently? I just got my CP so guessing my AF will show up shortly.

Just ask. I normally say I'm evaluating my cards and want to know if there's a retention offer. They will generally start going over what the card offers and I'll normally say I'm aware of the benefits and they are part of my evaluation and then ask again if there's a retention offer. It normally gets the chat shorter unless you want to have to go through all the benefits. Offer with amex will either be there or not.

 

[afan]

If you're looking for Amex Membership Rewards points,

You're going to want to delete your entire post. Referalls aren't allowed on the dis, there's a sticky about it at the top of the budget board. It's probably also mentioned on the 1st page of this thread.

 

[LilSweetPeaPhoto]

If CFF is your only Chase card, I don't think you need to lower the CL. CSR needs $10k IIRC. As long as your total CL <50% income, you should be good.

No I have like 10 chase cards, LOL. That's why I'm thinking I need to lower the $17k on my CFF. I have CFF, Freedom OG, IHG Premier, IHG Traveler, Bonvoy, CIC, CIC #2, CIU, CIP, and the IHG Biz.

If you're looking for Amex Membership Rewards points, I have a referral link to the Business Gold card. Comes with a $295 annual fee, but

UGH! I jumped on the dang Gold offer I had since Amex has hated me, but it wa a $10k spend and only 80k. UGH. Trying not to dwell on that fact, OR the fact I should have done the Amex Biz Plat!

 

[projectx3]

You're going to want to delete your entire post. Referalls aren't allowed on the dis, there's a sticky about it at the top of the budget board. It's probably also mentioned on the 1st page of this thread.

Thanks. I browsed through the first couple posts in this thread to see if that was the case, so if it's there I missed it.

 

[afan]

Thanks. I browsed through the first couple posts in this thread to see if that was the case, so if it's there I missed it.

It's a dis rule and for all referrals not just credit cards.

 

[havaneselover]

CSR public and support links are showing 80k UR.

Reminder, if it's been more than 4 years since you received a Sapphire bonus, you can downgrade your sapphire, wait 4 days and apply for another sapphire to re-earn the bonus. 80k is a great CSR bonus.

I'm tempted. It's been five years for me.

 

[CyndiLouWho]

@LilSweetPeaPhoto I preemptively lower limits occasionally. But usually a few thousand from each card. If you can leave over 10k on one card and still be under 50% I think that's good. That way you have room to move credit if they ask.

 

[chattadisser]

Did you just flat out ask for a retention offer, or did you word it differently? I just got my CP so guessing my AF will show up shortly.

Just ask. I normally say I'm evaluating my cards and want to know if there's a retention offer. They will generally start going over what the card offers and I'll normally say I'm aware of the benefits and they are part of my evaluation and then ask again if there's a retention offer. It normally gets the chat shorter unless you want to have to go through all the benefits. Offer with amex will either be there or not.

Just as @afan notes above. I just did exactly as she says just over chat.

 

[platamama]

Bonvoyed: Marriott will no longer support the extra 5000 mile bonus when transferring 60,000 Marriott points to the following airlines' programs -

• American
• Delta
• Avianca

Effective 10/31/22, per DoC

This makes it really hard to accumulate AA miles since they're not in the UR/MR transfer system. Pretty much stuck with Citi or Barclays AA cards, boo.

 

[ten6mom]

I just remembered I currently have about 100K Avios and no plans to fly anywhere anytime soon!

I don't see it in the T and C... do they expire?

 

[reliev]

I just remembered I currently have about 100K Avios and no plans to fly anywhere anytime soon!

I don't see it in the T and C... do they expire?

wanna say 36 months of inacativity.

 

[projectx3]

Bonvoyed: Marriott will no longer support the extra 5000 mile bonus when transferring 60,000 Marriott points to the following airlines' programs -

• American
• Delta
• Avianca

Effective 10/31/22, per DoC

This makes it really hard to accumulate AA miles since they're not in the UR/MR transfer system. Pretty much stuck with Citi or Barclays AA cards, boo.

For the life of me I can't figure out why Citi didn't make the AA transfer they allowed a year ago a permanent thing.