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

[Arcades]

WWYD? I just P2's CSR to a Flex... Got to do something with the CSP now (from MDD)....I'm honestly just trying to simplify to the max here (again,life) I will hold onto my own CSP, but other than that I want NO Af. And I have a fairly long list of sock drawer cards I have to keep track of and spend on every 6 months to keep them active. WIll I be sorry if I just outright cancel P2's CSP? Just looking for personal opinion here....

If you don't have a credit card for non-category spend, you could change P2's CSP to a CFU and earn 1.5x UR on your day-to-day purchases. It's not game changer, but it adds up over time. Otherwise, I'd just cancel the card and free up some credit for a potential future application.

 

[becauseimnew]

WWYD? I just P2's CSR to a Flex... Got to do something with the CSP now (from MDD)....I'm honestly just trying to simplify to the max here (again,life) I will hold onto my own CSP, but other than that I want NO Af. And I have a fairly long list of sock drawer cards I have to keep track of and spend on every 6 months to keep them active. WIll I be sorry if I just outright cancel P2's CSP? Just looking for personal opinion here....

DH has the only sapphire cards in our family, we’ve just been using our URs for PYB and Hyatt, he transfers points to Hyatt then to my Hyatt account since I have status. That has worked out well for us. No need for both of us to have Sapphires.
I don’t see a reason why you would keep his card. DH also has CSR and CSP, we will be downgrading one to Flex (wish I could be the old freedom) and an unlimited but he doesn’t have any Freedom cards. In fact those are his only Chase personal cards.

 

[hsmamato2]

https://www.doctorofcredit.com/amazon-use-one-chase-ultimate-rewards-point-get-50-off-up-to-15/

from yesterday, but it worked for me today

Thanks for posting! I used 1 point + my gc balance to get a Whole Foods gc!

 

[newski_mom]

Well hopefully you are happy with any incentives you got for opening the cards. And lots of people like their shiny metal AppleCard, which you can carry around instead of that iPad. Don't sweat it. It's nice that you're in two player mode and so if you use up a slot for a card you didn't necessarily want, there's more slots to go around between the two of you.

Today I realized I missed a retention bonus (small bonus) by missing the spend by 14 bucks. So we are all making mistakes; I make my fair share all the time. That might be a fun question- what churning/travel hack mistake did you make that you're kicking yourself for?

I never requested that CSR retention bonus they were handing out like candy during the pandemic.

So many things...I missed a free night on DH's Hyatt card by just a few dollars from a return I hadn't figured into the amount I'd spent.

I also missed the sign up bonus on the old Arrival Plus card due to just forgetting that I had it - after the first few charges, I basically didn't put anything on it. I realized it about 3 days after the spend had to be made.

I also didn't request the CSR retention bonus - mainly because it was DH's card and he hates calling. When it's not a sure thing, I definitely don't want him to call. I hate calling myself, so I really do understand his position. He also hates calling and he doesn't know the ins and outs of the whole process either.

I'm sure there are more too, that's just off the top of my head lol!

 

[hsmamato2]

So...car rental is 5% back July-August.... use that or my CSP for the coverage? it seems they both have it

 

[lsutigers03]

You don’t have to MDD the Ink cards since you can have all of them…unlike the Sapphire cards where you can only hold one…

Ok great. Do you have a recommendation on if it would be better to apply with personal info or company info? Like I said my FIL has a real company I'm just not sure which would be the easiest to get approved. I have a side business and have always applied with personal info and I have always been approved.

 

[palhockeymomof2]

WWYD? I just P2's CSR to a Flex... Got to do something with the CSP now (from MDD)....I'm honestly just trying to simplify to the max here (again,life) I will hold onto my own CSP, but other than that I want NO Af. And I have a fairly long list of sock drawer cards I have to keep track of and spend on every 6 months to keep them active. WIll I be sorry if I just outright cancel P2's CSP? Just looking for personal opinion here....

If he has the CF and CFU, I’d just cancel the CSP…if you want maybe move some of the CL from it to one of his free free cards

 

[palhockeymomof2]

Ok great. Do you have a recommendation on if it would be better to apply with personal info or company info? Like I said my FIL has a real company I'm just not sure which would be the easiest to get approved. I have a side business and have always applied with personal info and I have always been approved.

I don’t have any personal experience applying with company information….I’ve seen some reports on Reddit that Chase may ask for business documents…
Like you I’ve applied with my SP info from my eBay sales and have been approved

 

[reliev]

 

[StephPlum]

Fee Free MCGCs Starting Sunday at Staples.
https://www.doctorofcredit.com/stap...ercard-gift-cards-12-5-12-11-limit-5-per-day/

 

[StephPlum]

Capital One question - Do they pool miles/points across all cards? I am thinking of the no AF Venture1 card (already have Venture). If I get the no AF card and then close my Venture will I keep all the points? Looking for low MSR and no AF if possible. Not looking at Venture X. Thanks.

 

[Judique]

That sounds like a wonderful trip! I'm in Boston now, hoping my "delayed" flight is just that and not cancelled (eek!). I have to say other than a delay of 40-ish min out of CDG (and when do those flights ever leave on time, lol) my flights from Madrid, Seville and Prague were all easy peasy with none of the chaos here. Maybe I was lucky or just chose to leave from the right places but flying in the US is much more stressful than where I was, for sure.

Your DS sounds like me-if I'm not 3 hours early, I feel like I'm late . Let's just say I'm glad I have access to skyclub

Sounds delightful!

Delta has not yet booked my DD a flight out of JFK this morning.

Doesn't matter anymore as she got a bus ticket and rode all night (maybe 4 and a half hours) to Union Station and then ubered home at 4am.

The whole trip, going and coming was booked on Delta. What a mess. The storms they couldn't help. But, from arrival yesterday till now, running 8 11 (i forgot Dulles) regular Delta flights to DC area airports, in 24 hours they can't get something at least booked?

 

[mamapenguin]

Capital One question - Do they pool miles/points across all cards? I am thinking of the no AF Venture1 card (already have Venture). If I get the no AF card and then close my Venture will I keep all the points? Looking for low MSR and no AF if possible. Not looking at Venture X. Thanks.

You can move the miles/ points. I moved them from my Venture One to my Venture X.

 

[Judique]

View attachment 678764

Well, I think I'm probably going to down grade the card after my anniversary. I don't need to be forced to spend my own money on restaurants and use the credit towards Marriott points. Much rather get 3x ur's for my dining, or better still 5x and use a Visa or MC gift card. I'll have to look at the benefits again to be sure I'm not missing anything. I get gold free of a biz card and personal card combined each year and have held platinum for 3 years.

Still will keep my Bonvoy cards for the $95 FNC's and a few offers here and there.

 

[Judique]

I'm south of you but the weather has been crazy here.

And this is why I just don't feel like planning anything right now. Across the board the airlines are understaffed and so if anything disrupts the schedule it ripples. And there is no short-term solution. I hope she gets home and that she had a fantastic trip.

It was supposed to be Thursday to Tuesday. It ended being Fri to Tuesday leaving the resort. But Thursday to Thursday in actual travel and vacation. So 8 days for 3 full and 2 partial days(travel) of vacation

 

[*WDW*Groupie*]

Y'all are making me glad that I'm flying to Washington a day before my first ever flight in first class to Abu Dhabi! The connection was going to be several hours, so I thought that I'd enjoy a day and night in Washington, visit some of the museums and enjoy some fine food before taking off! Plus I'm always cautious about crossing the border and leave A LOT of time if I'm traveling south of the border (like 3.5 hours or so). I leave in under 3 months and so far it seems like this trip might actually happen......

 

[elgerber]

You can move the miles/ points. I moved them from my Venture One to my Venture X.

excellent, I am wanting to do this too, I have the X but want to have the Venture One before my AF comes due, so I can keep the miles I haven't used yet.

 

[platamama]

Has anyone recently applied for an Amex Biz card? I got a NLL Biz Plat email offer, and when I try to apply, it's telling me my federal tax ID cannot be the same as my SSN. It's for a "business" so I don't have anything other than a SSN. Has anyone else encountered this? I feel like this is a new development...

 

[Judique]

Y'all are making me glad that I'm flying to Washington a day before my first ever flight in first class to Abu Dhabi! The connection was going to be several hours, so I thought that I'd enjoy a day and night in Washington, visit some of the museums and enjoy some fine food before taking off! Plus I'm always cautious about crossing the border and leave A LOT of time if I'm traveling south of the border (like 3.5 hours or so). I leave in under 3 months and so far it seems like this trip might actually happen......

The storms are mainly what interfered.

Also, I've only been watching Delta. Yesterday, out of their 11 flights, they canceled 5, the ones after 3ish. The storms were moving south.

Even this morning, the first flight out to Dulles was almost a 2 hour delay but everything else is moving. Probably fog early on.

 

[sinnika]

Besides the CIU, are there any other biz cards that offer no finance charges for the first 12 months? Or even first 6 months? We have several biz purchases due in July and I would like to pay over time.