I love credit cards so much!

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wanderlust7

DIS Veteran
Joined
Mar 10, 2015
Thanks. That I did read but I think I worded my question wrong. I want to know how I can tell in my PNC account if a deposit is showing as a direct deposit.
For PNC, this is what my Chase push (that counted) looked like:
ACH CREDIT JPMORGAN CHASE EXT TRNSFR

Other clues:
- The Growth account keeps track of how much direct deposit you have for the higher interest rate.
- You'll get an e-mail "Direct Deposit Greater Than $1.00 Credited To Your Checking Account"
 
  • wanderlust7

    DIS Veteran
    Joined
    Mar 10, 2015
    Ok, I'm back to give my thoughts and perspective on this conversation starter which I think discussing would provide value and perspective to those of us who've been at this game a long time and to the newer folks for consideration down the line. I'm quoting my post from 2017 that was in response to another person who didn't see the value of holding multiple cards beyond meeting the spending bonus. While that post is over a year old, it still holds true. For me, having options is still the name of the game. I've always been an advocate of diversifying my portfolio. I think it was just a few weeks ago that I was on here kicking and screaming in my head over Chase's craptastic Expedia platform :badpc: that would not display flights to book with URs in first or business. So, I went ahead and booked them with Amex MRs on their glitchy but less frustrating travel platform. Then, when I decided to come in early for the Japan ABD and go to Tokyo to check out the robot restaurant, I thought I'd like to stay at the Park Hyatt that I've heard so much about. Little did I know it's over $1500 per night! Fortunately, the same room and nights were available on points so I used 60,000 UR points that instantly transferred to Hyatt and booked my stay.

    The airline transfer partners that Chase and Amex have both hold value for me. Therefore, I am happy to earn in both currencies. There is no way I could accumulate the number of points I do with just one card. In 2017 we blew through 1.7 million points and miles. Below are our 2018 points and miles spending we did and we blew through another million. For 2019 travel I will very likely surpass 2 million.

    2018
    March - DC to see cherry blossoms (2 nights at The Willard free IHG night certs)(AA first - 58,842 Amex MR after 50% rebate with Amex biz Plat)
    April - Dapper Days at DLR (Delta first class 153,000 Sky Pesos)
    May/June - Adventures by Disney China (Singapore Suites - 250,000 KrisFlyer miles transferred from 200,000 SPG points)
    July - New York to see Harry Potter Play (2 nights at Hilton Times Square with free night certs from Aspire) (AA first class paid with various AA GCs from airline credits on various cards)
    September - Hawaii (AA first class 89,812 MR after 50% rebate with Amex biz Plat)
    September - DC to see Hamilton (2 nights at The Wilard free IHG night certs)(AA first paid with various AA GCs from airline credits on various cards)
    December/Jan - Antarctica (AA business/first - 505,000 AA miles)

    2019
    January - NYC for Mickey True Original Exhibition (2 nights at Residence Inn Central Park with Marriott free night certs)(AA economy 24,362 Amex MR after 35% rebate with Amex biz Plat)

    March - Dubai and Maldives (4 nights at Al Maha Desert Resort & Spa 240k Marriott points)(3 nights Conrad Rangali over-water bungalows 285k Hilton points and hopefully replacing 95k with a free night cert)(1 night Dubai Int'l airport hotel 12,888 UR points)(Emirates first class 300k Alaska miles via Marriott Flight/Night packages)(AA first flight to position for Emirates flight 68,775 Amex MR after 35% rebate with Amex biz Plat)(United flights in first to get back home from Emirates flight 72,696 Amex MR after 35% rebate with Amex biz Plat)

    May - New Orleans (7 nights, but only staying 4 from Marriott nights and flights package 270,000 Marriott points)(AA flights in first paid with various AA GCs from airline credits on various cards)

    June/July - Scotland (BA first class 125,000 Avios and Travel Together ticket)(2 nights Radisson Blu 140,000 Club Carlson points)(1 night at Holiday Inn Inverness 30,000 IHG points)(1 night at Hilton free night cert)

    August - NYC Hamilton (haven't booked flight or hotel since I don;t know if we are going for 2 or 3 nights yet)

    September/October - Adventures by Disney Japan (ANA first class with 240k Virgin Atlantic miles from Amex MR w/30% bonus transfer so 185k Amex MR)(AA first to position at IAD for ANA flight 60,347 Amex MR after 35% rebate with Amex biz Plat)(1 night at Westin Dulles using free night cert from Marriott)(JAL business using 110K AA miles with 10% back benefit in case my return ANA dates don;t come through)(2 nights Park Hyatt Tokyo 60,000 UR points transferred to Hyatt)


    Writing this has caused me to mourn the 50% back we used to get with the Amex business Platinum card again :sad: But, I think it does illustrate how one or two cards will never be able to earn and replace the number of points we go through each year. The bonus categories boost the earning potential. I also have cards that bring me value that surpass the AF even though they may not necessarily be cards that I use for spend. I'd say my two main currencies are UR and MR with regards to spend. It does take some card shuffling to maximize each spending category but for me it is worth it.
    Bookmarked! :worship:

    #lifegoals
     

    calypso726

    Escaping reality one Disney vacation at a time
    Joined
    Dec 11, 2006
    Annnd, I am no longer a CSR cardholder. :sad1:
    I think I just died a little inside.

    Okay so I'm back and not even going to try reading all the back pages. I was dealt QUITE the blow Saturday. My BF of 21 mos decided to end it. Initially he was supposed to be moving here this weekend, and at the very least before mid-Feb. In December he came to visit and played house with me and my kids, and they were so excited for him to move up here. So it wasn't me just dealt this blow. I kinda got into the game to be able to do all the last minute flights down to him, and hotel visits.

    The perk is I've been waiting FOREVER to plan vacations and what not waiting for him to get his butt here. So now I'm trying to decide where I want to go for my Feb break and where i might want to take the kids for spring break. Time to start living my best life and move on. Got dealt an extra low blow yesterday. He told me it was because he wants kids of his own now and I can't have them anymore, I had issues after my youngest and had a few surgeries. I told him we could go the surrogate route and he said no. Then yesterday I see him posting a trashier older looking version of me on his instagram. He claims she's younger (I'm 42, he's 32). He gushed about how she makes him so happy. So when I confronted and asked if she makes him happier, he said happy, yes...happier...IDK. What? When we said goodbye he added "I love you". Really?!?!?

    Anyways, I'm focusing on me. I'm purging my house. Getting my finances in order and starting to move on. It hurts to go from planning a future together to being blind-sided. I know people say you can never know what is going on in a LDR, but we literally talked 24/7, facetimed for hours, etc. I have no idea when this happened. He passed it off as that it literally just happened. I don't know how you go from, "let's get married" to "oh, I ran into this chick and she's makes me so happy". I'm thinking cold feet. Whatever. This will make be better :)
    OMG! What an absolute jerk. He sounds like the type of person who needs to go apologize to a tree for providing the oxygen he is wasting. I am so sorry you have had to go through this :grouphug: I do admire your resolve to focus on what is important, you and your children and moving on.

    :offtopic: Those that use, or are, TAs, what is the typical turnaround time for a client request? I had a couple questions I sent in yesterday and still no response. Last time it took 3 business days.
    Same day.
     
  • wendow

    We create happiness.
    Joined
    Feb 11, 2012
    I wish they had Trader Joe's. I like to some of my grocery shopping there and would love a discount.
    Yep, while not my main store, I do pop in there occasionally. Gotta take my boys to look for Bruce the Moose lol! And I like a lot of their offerings.
     
  • afan

    Honorary Bus Driver
    Joined
    Dec 30, 2014
    Yeah...you nailed Sticky#2 & actually #4 as well to be honest hahaha! I also REALLY like the Sticky #5 idea!!
    Yes I'm confusing everyone by quoting the other threas here to say I don't think dischurners should be mentioned in a sticky because we are technically circumventing the rules and don't need to bring attention to that. Though I'm sure you've already had that thought.
     

    SouthFayetteFan

    Saving Money on Disney Vacations since 2006
    Joined
    Sep 6, 2014
    Yes I'm confusing everyone by quoting the other threas here to say I don't think dischurners should be mentioned in a sticky because we are technically circumventing the rules and don't need to bring attention to that. Though I'm sure you've already had that thought.
    4 and 5 will be blank for whatever we all come up with in the future. DISchurners will not be mentioned on page 1 for sure.

    Sticky 1 = Intro
    Sticky 2 = How to ask for advice
    Sticky 3 = Glossary of common terms (but not crazy underground ones that don't matter... and DEFINITELY NOT SUB @kidsfirsttrip
     

    SouthFayetteFan

    Saving Money on Disney Vacations since 2006
    Joined
    Sep 6, 2014

    Haley R

    With all the strength of a raging fire
    Joined
    Sep 3, 2017
    Albertsons is the parent company. it owns Safeway as well. Therefore, i can use an Albertson's gift card at Safeway.
    Yep don’t have safeway here either. We have fareway...does that count?
     
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