I love credit cards so much! v6.0 - 2023 (see first page for add'l details)

[platamama]

DH got an email from Amex about being pre-approved for an Amex Biz Plat even though he already has one. 200K MRs as follows: 150K MRs for the Biz Plat after spending 15K, 30K MRs for a business checking account with qualifying activities, and 20K MRs if getting both.. Expires at the end of the year. Don't see any lifetime language. This throws a wrench into my plans!

Had been thinking of the Aspire then an Amex Delta Biz, then P1 refers P2 for an Amex Gold personal and then P2 refers P1 to an Amex Biz Gold. Need the MRs for flights to Japan to be booked in about 5 months. But now I'm thinking skip the Aspire as I didn't have a plan for that anyway, just didn't want to pass on the elevated offer. Still get the Delta card mid July as they keep having the best flight times and direct routes for repositioning for us. Then we do the Biz Plat + checking offer and avoid more credit checks and get more MRs.

The annoying part will be trying to squeeze that much spend in 3 months! Will have to prepay certain bills. And of course, finding more use for the Dell credits

An end of year expiration is really handy for a Biz Plat application due to the triple dip (if you cancel the following year) on airline credits and Dell credits. On my last Biz Plat I purposely made an overpayment to taxes in order to apply the expected refund to purchasing an I Bond. This is the only way I know to purchase more than $10K per person per year in I Bonds. The I Bond rate has fallen since then, so I don't know that it's the best plan for the future. But perhaps if there's a good chance of using the funds for college education in the next few years (and you fall within the MAGI limits for tax-free interest exclusion for that use) it might still be a decent strategy.

 

[Duckbug.Ducktales]

An end of year expiration is really handy for a Biz Plat application due to the triple dip (if you cancel the following year) on airline credits and Dell credits. On my last Biz Plat I purposely made an overpayment to taxes in order to apply the expected refund to purchasing an I Bond. This is the only way I know to purchase more than $10K per person per year in I Bonds. The I Bond rate has fallen since then, so I don't know that it's the best plan for the future. But perhaps if there's a good chance of using the funds for college education in the next few years (and you fall within the MAGI limits for tax-free interest exclusion for that use) it might still be a decent strategy.

Hadn't considered all that, thanks--except for the triple dip. I thought of that, too, when I read the email DH sent me and got excited. But then I remembered that I wanted to have these points in place by November to book flights to Japan for next year.

My one Biz Plat I did a triple dip before closing it early this year. Would have kept it for a decent retention offer but no... How many Biz plats have you had?

 

[platamama]

@Duckbug.Ducktales I'm on my 5th, and will be canceling #4 in a couple of months. No wonder the 200K Biz Plat offer was just a phantom offer for me. lol

 

[wanderlust7]

So just book it with his points on his account, and then he can call and change the reservation to my name? That's all he would need to do? You know it's like pulling teeth to get him on the phone for anything, lol.

Yup! If he gives them your Hyatt number, the reservation will then appear in your account.

 

[wanderlust7]

But now I'm thinking skip the Aspire as I didn't have a plan for that anyway, just didn't want to pass on the elevated offer.

The Aspire SUB isn’t elevated, though the other Hilton cards are. So no need to have FOMO.

 

[trippedup]

Possible a useful data point for someone out there: I was able to pay off my Lowe's credit card (always 5% off) at the customer service desk using a Visa Debit Gift Card gotten from staples at 5% off using my CIC. Fairly easy way to get 10% off. I've seen this done with Target before but couldn't find anyone trying it at Lowes.

 

[orangecuse]

ME! But I did all the matching in AC too, so I got the Ocean's Prime match which comes w/ a cruise. I think I got a free offer from CCL and HCL. I'll have to go back at my emails and look. But pretty sure I got that because I had the freebie coming from Ocean's Prime.

Oh cool! I got an offer from HCL but nothing yet from CCL. HCL was insanely fast- two days.

 

[Psychodisney]

Checked in at the 24 hour mark today on SWA. Got C14. Immediately tried to upgrade boarding position. None available!!! How does that happen.

 

[orangecuse]

In what no one in the world would define as a problem, I have a lot of Hilton FNC to use. No clue where we want to go. My soon to be 6 year old has requested Hawaii (lol- he dreams big) but idk that I can churn that many airline miles from the east.

Hilton doesn't seem to have the most interesting Caribbean profile either.

If anyone has a Hilton they love in the US or a cool city/park to explore let me know!

In credit card world we are both working on Wyndham Biz cards, just finished our Hilton biz by buying our first ever Disneyland tickets!

 

[georgina]

Checked in at the 24 hour mark today on SWA. Got C14. Immediately tried to upgrade boarding position. None available!!! How does that happen.

Wow! That’s crazy. Are you flying out of an airport that has a lot of connections, so other people were checking in for both their flights hours before you?

 

[newski_mom]

Checked in at the 24 hour mark today on SWA. Got C14. Immediately tried to upgrade boarding position. None available!!! How does that happen.

Our last position on SWA was C something too. We check in Wednesday for a Thursday flight and I hope we can get something better.

 

[palhockeymomof2]

There's a new question on my latest CIC application. They want my estimated monthly spend. Yikes! I don't know what to put here - A lot at first and then a little lol. What have you all entered here?

I just submitted my app and no instant approval for me It said we'll let you know our decision in writing as soon as we can. This is sad. I hope it's not a denial, especially after DD just got denied for the cap one student savor card

As a DP…Received that same message 2 weeks ago…first time not an instant approval on a Chase card over a year. applied on a Tuesday, card showed up in DHs account on Friday

 

[palhockeymomof2]

Checked in at the 24 hour mark today on SWA. Got C14. Immediately tried to upgrade boarding position. None available!!! How does that happen.

Ugh…I’m guessing others with earlier flights who were able to check in before your flight…keep checking for the upgraded boarding someone could cancel closer to the flight time and you can then grab it

 

[Sheree]

In what no one in the world would define as a problem, I have a lot of Hilton FNC to use. No clue where we want to go. My soon to be 6 year old has requested Hawaii (lol- he dreams big) but idk that I can churn that many airline miles from the east.

Hilton doesn't seem to have the most interesting Caribbean profile either.

If anyone has a Hilton they love in the US or a cool city/park to explore let me know!

In credit card world we are both working on Wyndham Biz cards, just finished our Hilton biz by buying our first ever Disneyland tickets!

There's a Hilton in San Juan that's in a good location
what about a weekend in NYC?DC?

 

[AndreaDM]

In what no one in the world would define as a problem, I have a lot of Hilton FNC to use. No clue where we want to go. My soon to be 6 year old has requested Hawaii (lol- he dreams big) but idk that I can churn that many airline miles from the east.

Hilton doesn't seem to have the most interesting Caribbean profile either.

If anyone has a Hilton they love in the US or a cool city/park to explore let me know!

In credit card world we are both working on Wyndham Biz cards, just finished our Hilton biz by buying our first ever Disneyland tickets!

There's a Hilton in San Juan that's in a good location
what about a weekend in NYC?DC?

We used a FNC and then points to stay 2 nights at the NYC Conrad Midtown last year. Very nice hotel that was walkable to many places.

 

[DogCat]

As a DP…Received that same message 2 weeks ago…first time not an instant approval on a Chase card over a year. applied on a Tuesday, card showed up in DHs account on Friday

Once it appeared in his account, did you SM or call for expedited card? Or if not, how long before it arrived in the mail?

 

[ten6mom]

Possible a useful data point for someone out there: I was able to pay off my Lowe's credit card (always 5% off) at the customer service desk using a Visa Debit Gift Card gotten from staples at 5% off using my CIC. Fairly easy way to get 10% off. I've seen this done with Target before but couldn't find anyone trying it at Lowes.

Interesting... now I want a Target credit card! (Currently have only the debit). I'm 1/24 as of today, actually....

 

[palhockeymomof2]

Once it appeared in his account, did you SM or call for expedited card? Or if not, how long before it arrived in the mail?

I sent a SM on Friday a morning…they responded Friday afternoon, the card arrived on Tuesday via UPS.
Another weird/different DP from his other ink card we tried to use it on Wednesday, for around $30 Kohls online and Chase rejected the transaction putting a fraud alert on it…had to have DH call to clear it..he was not amused.

 

[DogCat]

I sent a SM on Friday a morning…they responded Friday afternoon, the card arrived on Tuesday via UPS.
Another weird/different DP from his other ink card we tried to use it on Wednesday, for around $30 Kohls online and Chase rejected the transaction putting a fraud alert on it…had to have DH call to clear it..he was not amused.

Can I ask, what did you put for estimated monthly spend? I am afraid I put too much, but I was thinking I didn't want a tiny CL...

 

[georgina]

Once it appeared in his account, did you SM or call for expedited card? Or if not, how long before it arrived in the mail?

i have SM'd to expedite Chase biz cards, it takes 2 or 3 days depending on the time of day I asked. When not requested, takes a week to 8 days to arrive.

Can I ask, what did you put for estimated monthly spend? I am afraid I put too much, but I was thinking I didn't want a tiny CL...

i was surprised by this question last app, think I put in 1500. CL was 6000.