I love credit cards so much!

[SouthFayetteFan]

ive always thought guy.

I initially thought guy but now think girl...hmmmmm

 

[tink1970]

Haha they're cheering on my team! Only 10 losses in the last 9 years

Hey, I live in SEC country, I get it. I had a co-worker who stopped speaking to me b/c my dear college kept her team from being undefeated during ONE of their National Championship years. Seriously...

 

[1GoldenSun]

Did I understand that you used my CIP link? If so, thank you so much!!! I am grateful for the 'love'! If not, I'm still thankful you used one of my DIS friends links. We all support each other and look out for each other. Everyone here is happy to help oldies and newbies

I used your link, but it may be too early to thank me. On further review, I'm afraid DH made me an authorized user on more cards than I'd realized. I'm fixing this now but I'm afraid I'm currently at 5/24 so I'm probably going to be denied. I'm going to make SURE I'm removed from all DH's accounts and then try again. Is there a certain period of time a person should wait between being denied for a card and applying again?

 

[Albort]

I used your link, but it may be too early to thank me. On further review, I'm afraid DH made me an authorized user on more cards than I'd realized. I'm fixing this now but I'm afraid I'm currently at 5/24 so I'm probably going to be denied. I'm going to make SURE I'm removed from all DH's accounts and then try again. Is there a certain period of time a person should wait between being denied for a card and applying again?

assuming that is the reason you were rejected, plead your case during recon. I would wait until u get the letter that states that. 30 day wait... that could be torturous... haha. Sorry!

 

[Albort]

Who was the one that has the legit business planning on using BRM to get the 100k CIP?
tomorrow is the last day to apply with this method.
It could also be extended as it was originally extended from 12/31/17. best to apply tomorrow if possible!

 

[Lain]

I used your link, but it may be too early to thank me. On further review, I'm afraid DH made me an authorized user on more cards than I'd realized. I'm fixing this now but I'm afraid I'm currently at 5/24 so I'm probably going to be denied. I'm going to make SURE I'm removed from all DH's accounts and then try again. Is there a certain period of time a person should wait between being denied for a card and applying again?

What @Albort said. Remove yourself as AU from DH's cards in the meantime. If/When you get your denial letter with the reason (likely too many accounts within the last 24 months), call Chase's reconsideration line and argue that (1) the count includes AU accounts; (2) you've been removed as AU from DH's accounts; and (3) you've never been financial responsible for the charges on those accounts.

 

[Alice Sr.]

You don’t need multiple log ins to get all the Amex offers on all of your cards. I have one log in for all of my Amex cards which will range from 5 to 8 cards at any given moment. Here is what I do:

Log in to my account and select one card. Click Amex offers. Click the load more or see more offers so that all the offers show up for that one card. Do not select any actual offers yet.

Next: Highlight the url for that card and copy it.

Next: Open a new tab for your next card. Paste the url in that tab. Repeat until you have open tabs that match your number of cards which are all displaying the same first card.

Next: Go to your second tab and select your second card. Click Amex offers and then click load all/more. Repeat on tab 3 and select card 3 etc.

Once you have a tab open with all amex offers loaded for each card individual card you can select your offers and they will load for each card.

This works best for me on Google Chrome using a desktop or laptop. My iPad has a tendency to revert back to the first card on subsequent tabs if I’m not fast enough.

I don't know what this means but I am quoting this for future reference. Sounds like Amex 102 and I haven't gotten through 101 yet.

O.m.g. I’m a dude and this story even has me swooning.

ETA: I’ve really enjoyed reading your posts and seeing your beautiful girls all dressed up for their snazzy event last night. And then this post! I can’t even right now.

It really adds to the family feel here, such a great group.

 

[CyndiLouWho]

You caught me...I am a girl highly obsessed with high school sports, credit cards and Disney. Haha.

Or perhaps I'm a 62 year old man who is retired...it's hard to define me.

 

[CaliforniaGirl09]

I'm circling back on one of my questions earlier this week about applying for new cards with frozen credit.

It wasn't as much of a hassle as I expected. I applied for the CIP in branch, and then called Chase lending a day or two after the application had been submitted by the branch. It had, of course, bounced (or whatever you call it when they can't pull the credit). The agent I spoke to said that it had been submitted to Equifax. I then went online to temporarily lift the freeze. The best part was that it was for free (until June 2108 with Equifax). I then called Chase Lending back and told them to rerun the credit check. It went through this time, and then ... no auto approval. UGH. They had more questions about my business and numbers, I assume because of the number of cards and amount of credit I have with them--which between personal and business is admittedly quite a bit. The lady was nice enough, but it is such a hassle. I am now in that waiting stage for someone to sign off on it. I called today and still nothing on the automated phone line. It's all pretty ridiculous for a legitimate business that makes a good amount of money, but what can you do?

Frustrated by my Chase experience, I decided to apply for DH's SPG business card. His credit is also frozen. This time, I searched for what bureau Amex pulled for in CA and the doc credit guy had a chart that showed overwhelmingly Experian. I took a chance and went online and temporarily lifted DH's freeze for Experian. Unfortunately it cost $10! Grrr. I applied online (used a referral link from a DISer) and voila ... approved. I got lucky with Experian. This is DH's first business card. He was going to wait for me to get my link to apply for the CIP first, but who knows how long that will take, and I want to have him give me a link from his card by the end of the month when the SPG deal ends. I'm trying not to be bitter about his insta-approval. Trying. He offered to co-sign for me. Not funny (I make as much/more than he does). Okay, it was kind of funny

The credit freeze part of the equation though wasn't as big a deal or pain as I feared--except for the $10. I guess I'll have one more thing to consider on timing of cards. You can lift the freeze for a week or two, so if I'm applying for multiple cards at one time that might be the way to alleviate the constant $10 fee every time we apply.

 

[mom2elal]

April last year my DD was accepted to study abroad in Rome and I had 7 months to save money and points to go visit her. This is my budget version of 10 days in Europe.
My flight (PHL-FCO) was booked with 47250 AA miles (after Citi AA 10% back)
DH and I each got a Sapphire Preferred card which earned 106,000 UR points. I combined them into my account.
Here is how I used them:
22,432 UR points for flights for DD and I from Rome to Munich
27,055 UR points to book 3 nights at Kings Hotel in Munich
$57 2 train tickets to Salzburg
11,387 UR points to book 1 night at Villa Carlton in Salzburg
$172 2 train tickets to Venice
$211 Hotels.com 2 nights at Hotel Canal Grande in Venice (took 21,100 pts stmt credit to reimburse myself)
$115 2 train tickets back to Rome
$243 Hotels.com 3 nights at Hotel Julia in Rome (good location but just ok hotel) (took 24,300 stmt credit to reimburse myself)

Hotels, airfare and trains came to 106,000 UR points and $345 cash.

I tried to get Marriott points for the trip but they didn't post in time. The Marriott Boscolo looks really nice, but its 45,000 points per night. I didn't have time to save that many. If you have time to plan you can look at which chains have locations that you would like to stay at and plan from there. I found UR points to be incredibly flexible and easy to use.

Wow, that's awesome!

 

[miztressuz]

I'm circling back on one of my questions earlier this week about applying for new cards with frozen credit.

It wasn't as much of a hassle as I expected. I applied for the CIP in branch, and then called Chase lending a day or two after the application had been submitted by the branch. It had, of course, bounced (or whatever you call it when they can't pull the credit). The agent I spoke to said that it had been submitted to Equifax. I then went online to temporarily lift the freeze. The best part was that it was for free (until June 2108 with Equifax). I then called Chase Lending back and told them to rerun the credit check. It went through this time, and then ... no auto approval. UGH. They had more questions about my business and numbers, I assume because of the number of cards and amount of credit I have with them--which between personal and business is admittedly quite a bit. The lady was nice enough, but it is such a hassle. I am now in that waiting stage for someone to sign off on it. I called today and still nothing on the automated phone line. It's all pretty ridiculous for a legitimate business that makes a good amount of money, but what can you do?

Frustrated by my Chase experience, I decided to apply for DH's SPG business card. His credit is also frozen. This time, I searched for what bureau Amex pulled for in CA and the doc credit guy had a chart that showed overwhelmingly Experian. I took a chance and went online and temporarily lifted DH's freeze for Experian. Unfortunately it cost $10! Grrr. I applied online (used a referral link from a DISer) and voila ... approved. I got lucky with Experian. This is DH's first business card. He was going to wait for me to get my link to apply for the CIP first, but who knows how long that will take, and I want to have him give me a link from his card by the end of the month when the SPG deal ends. I'm trying not to be bitter about his insta-approval. Trying. He offered to co-sign for me. Not funny (I make as much/more than he does). Okay, it was kind of funny

The credit freeze part of the equation though wasn't as big a deal or pain as I feared--except for the $10. I guess I'll have one more thing to consider on timing of cards. You can lift the freeze for a week or two, so if I'm applying for multiple cards at one time that might be the way to alleviate the constant $10 fee every time we apply.

I am always amazed at reading folks who have real businesses getting so much hassle to open a business card and then someone with a "business" whips right by with an instant approval for the same card. I'm guessing if your business has a credit report (or whatever they call D&B) it might go through the full credit evaluation vs those of us with a "business" just hitting a personal report. Who knows? Fingers crossed for you.

But I'm starting to wonder about the SPG business card maybe not doing a HP if they know you. They advertise the 30 second decision and as fast as computers are these days can't imagine it got the info, put it through the algorithm and displayed a decision in that short of time. I have credit monitoring from one of the many security breaches in the last couple years and so far they are johnny on the spot when an inquiry or new account pops up on one of the reports... I think I got an email about my Discover inquiry before I finished the full approval process (which took all of 20 minutes or so). It's been 5 days since I was approved for the SPG biz and not a peep from the service.

 

[disneymagicgirl]

You caught me...I am a girl highly obsessed with high school sports, credit cards and Disney. Haha.

Or perhaps I'm a 62 year old man who is retired...it's hard to define me.

I originally thought you were male and then thought you recently said you are female so when I read that post I was all confused again. Ha!
I need to change my pic so I too can be a mysterious person behind the screen.

 

[mom2elal]

But I'm starting to wonder about the SPG business card maybe not doing a HP if they know you. They advertise the 30 second decision and as fast as computers are these days can't imagine it got the info, put it through the algorithm and displayed a decision in that short of time. I have credit monitoring from one of the many security breaches in the last couple years and so far they are johnny on the spot when an inquiry or new account pops up on one of the reports... I think I got an email about my Discover inquiry before I finished the full approval process (which took all of 20 minutes or so). It's been 5 days since I was approved for the SPG biz and not a peep from the service.

I mentioned this a ways back in the thread, but they didn't pull my credit when they approved me for the Amex Hilton Biz, because my credit was frozen.

 

[wendow]

While we are establishing gender... @gottalovepluto - girl or guy??

Girl...? Always knew you and @Lain were dudes

 

[Albort]

I originally thought you were male and then thought you recently said you are female so when I read that post I was all confused again. Ha!
I need to change my pic so I too can be a mysterious person behind the screen.

username still checks out...

 

[afan]

I could actually be Mr Potato Head in the photo...

 

[GlamMistress]

I am always amazed at reading folks who have real businesses getting so much hassle to open a business card and then someone with a "business" whips right by with an instant approval for the same card. I'm guessing if your business has a credit report (or whatever they call D&B) it might go through the full credit evaluation vs those of us with a "business" just hitting a personal report. Who knows? Fingers crossed for you.

But I'm starting to wonder about the SPG business card maybe not doing a HP if they know you. They advertise the 30 second decision and as fast as computers are these days can't imagine it got the info, put it through the algorithm and displayed a decision in that short of time. I have credit monitoring from one of the many security breaches in the last couple years and so far they are johnny on the spot when an inquiry or new account pops up on one of the reports... I think I got an email about my Discover inquiry before I finished the full approval process (which took all of 20 minutes or so). It's been 5 days since I was approved for the SPG biz and not a peep from the service.

If you've got a history with Amex, they will usually just soft pull you for a new approval. Eventually a new hard pull happens. If you're denied with history, they won't hard pull you though. So you don't have to worry about a wasted inquiry with Amex (usually).

 

[wendow]

I used your link, but it may be too early to thank me. On further review, I'm afraid DH made me an authorized user on more cards than I'd realized. I'm fixing this now but I'm afraid I'm currently at 5/24 so I'm probably going to be denied. I'm going to make SURE I'm removed from all DH's accounts and then try again. Is there a certain period of time a person should wait between being denied for a card and applying again?

No worries! I'm flattered that you used my link. Yes, if you are denied, argue with Chase about your dh adding you as an AU without you knowing that. Make sure to state that you are not (and will never be) financially responsible for the account(s). If not approved even after that, I'd wait until you are under 5/24 to try again.

ETA: whatever you do, don't get discouraged and give up. We all run into roadblocks here and there in this game. When we first really got going with this, my dh was denied for the first card I went after for him. He called and argued with chase but since I had made him an AU on my card (like 18 mos before) and he is our sole 'breadwinner', he was financially responsible for that account. So Chase wouldn't drop him off it. We just waited until he fell under 5/24 and reapplied for the same card, and he was instantly approved. My aunt was denied the CIP cause she had applied for a CSP 28 days before. She got very discouraged and has never reapplied for the CIP or any other card. Whatever the outcome here on this CIP app, you just have to hang in there and keep on swimming

 

[Calfan]

Any idea if that includes Jewel-Osco? I think it’s the only Albertson group store in Chicago area.

Yes! Jewel-Osco is owned by Albertsons.

 

[gottalovepluto]

While we are establishing gender... @gottalovepluto - girl or guy??

ive always thought guy.

Huh, always thought female...

I initially thought guy but now think girl...hmmmmm

Leave y’all alone for a couple hours & come back to utter, yet fascinating, confusion! Girl here admittedly I get rather aggressive on Reddit...