I love credit cards so much! v3.0 (see first page for add'l details)

[wanderlust7]

DOC reporting retention offers on the Reserve. $150 credits for some people.

I think I need to wait until middle of next month and attempt a MDD.

Called and got the $150! Easy peasy! AF was charged 10/1. Thought it might be too late until I read the DPs on Doc.

 

[snugglebug]

Plat airline credit resets on Jan 1? Or is it card year?

I could add EBCI to the flights in the next 2 weeks to make use of it and remove my need to watch the time for check in. If it's card year I may just wait.

 

[LynnTH]

Do you know if this would would with Barclay? I would like to just use the easy button to spend the rest of the $2K I need to the spending bonus. And with the MS/Serve mess going on I think it would be worth to just spend the $60 in fees... I will probably try to spend some of it but have other MSR to worry about.

I am not sure on that. I have only done it with Chase Cards. Maybe others would know if you can use Venmo to meet MSR on Barclay cards.

 

[wanderlust7]

Plat airline credit resets on Jan 1? Or is it card year?

I could add EBCI to the flights in the next 2 weeks to make use of it and remove my need to watch the time for check in. If it's card year I may just wait.

It's calendar year. Which is why triple dip works.

 

[palhockeymomof2]

Called and got the $150! Easy peasy! AF was charged 10/1. Thought it might be too late until I read the DPs on Doc.

Just did the same super easy my AF posted 9/1

 

[afan]

It's calendar year. Which is why triple dip works.

I still need to figure out what I'm going to do if anything. I hate to leave it on the table but I don't fly southwest or united which seem to be the easiest to deal with. Suppose I should go look at flyertalk again since I'm going to run out of time.

 

[Psychodisney]

Plat airline credit resets on Jan 1? Or is it card year?

I could add EBCI to the flights in the next 2 weeks to make use of it and remove my need to watch the time for check in. If it's card year I may just wait.

Calendar year.
You could do that or book flights less than $100 (2 x) -> cancel and get travel credits.

 

[ReslerMomma]

Do you have a mortgage? Or any established credit? That will play into what CCs you may get approved for.

Yes we do have a mortgage. The car is only in player 2's name.

 

[Psychodisney]

Well, SW Business app was a bust. Got the denial letter today. First reason was business structure. I guess sole prop?
and "We also used your credit score."...845. Too good? They realize they won't make much money off of us.
Bummer. Hope a good personal offer comes out. At least I have my CP through June.

 

[LilSweetPeaPhoto]

I feel like my pop up was related to my old debt (which hasn't really been an issue until Covid) because P2 was also getting popup. I just paid off a card last month (two more to go!). I increased spend a little on my Surpass, did one purchase on my Bonvoy Biz and pretty much kept Gold spend normal for about 4 weeks. In my case, if it were spend I would think I would have needed more than I did. I do think paying off some old debt helped in my case. I have not tested P2 yet to see if he's still getting the pop up. I might do that soon though. I had been trying for a Blue Cash when I was getting the pop up, it is coming up in his pre-qualified offers now.

I think there are just several things that lead to the pop up and you just have to figure out what it is in your case.

All I can think of is the fact my Surpass is at the max and they just extended my CL on it. So maybe when I pay it off. Otherwise, I'm spending good on my cards.

Question about Sam's club - I have had a membership through work for a long time that is expiring next month. I would like to start with my own membership - what is the best deal? Is there an Amex one going on?

I got an offer for $45 of (the cost of the membership) from my Discover It card. I NEVER go to Sams for for "free" might as well get the membership. The BF wants to check them out anyways, LOL

Called and got the $150! Easy peasy! AF was charged 10/1. Thought it might be too late until I read the DPs on Doc.

Wait? Mine just posted on 11/1. Is this coming off the $450? Because mine posted as $450. Did you say anything? Off to read Doc and call

 

[LilSweetPeaPhoto]

WOOOOOO! I called and had $150 off! Makes it an absolute NO brainer to say w/ them another year, LOL. I was going to stick it out at the $450 AF anyways. I figure once it goes to $550, I'll cancel and do a new SUB.

 

[disfanforlife]

All I can think of is the fact my Surpass is at the max and they just extended my CL on it. So maybe when I pay it off. Otherwise, I'm spending good on my cards.


I got an offer for $45 of (the cost of the membership) from my Discover It card. I NEVER go to Sams for for "free" might as well get the membership. The BF wants to check them out anyways, LOL


Wait? Mine just posted on 11/1. Is this coming off the $450? Because mine posted as $450. Did you say anything? Off to read Doc and call

I have a Discover It card. I’ll have to check and see if I can find an offer with It!

 

[snugglebug]

It's calendar year. Which is why triple dip works.

Thanks! I was trying to search quickly before running out the door and nothing was jumping out at me. I'm A-list so just need EBCI for the three, I think I'm going to do that instead of messing with travel credits. If the credits could still be converted to points that would work well for me though.

 

[iujen94]

WWYD? I’m reading the reports about getting $150 retention offers on the CSR. I was just about to downgrade DH’s to a CFF. Now I’m debating - I get that with the $150 off, it’s basically free if you use the $300 travel credit. BUT, we’ve already used the $300 travel credit for the coming year, without paying anything. So it WOULD cost us $300 to keep it, since that’s $300 we wouldn’t otherwise pay. We would use the $60 DoorDash credit, but that’s probably it. I also have a CSR, so we are covered on PYB and such. My head says to still downgrade but my heart feels like I’m somehow missing out on a deal???

 

[palhockeymomof2]

WWYD? I’m reading the reports about getting $150 retention offers on the CSR. I was just about to downgrade DH’s to a CFF. Now I’m debating - I get that with the $150 off, it’s basically free if you use the $300 travel credit. BUT, we’ve already used the $300 travel credit for the coming year, without paying anything. So it WOULD cost us $300 to keep it, since that’s $300 we wouldn’t otherwise pay. We would use the $60 DoorDash credit, but that’s probably it. I also have a CSR, so we are covered on PYB and such. My head says to still downgrade but my heart feels like I’m somehow missing out on a deal???

I would downgrade since you have the CSR...why don’t you call and ask about a retention offer on yours...mine call was super easy 5 min the worst they can say is there isn’t an offer and I was prepared to hear that

 

[iujen94]

I would downgrade since you have the CSR...why don’t you call and ask about a retention offer on yours...mine call was super easy 5 min the worst they can say is there isn’t an offer and I was prepared to hear that

I guess I’m wondering - even if I get the $150 retention offer, should I keep it??

 

[StephPlum]

Question about Sam's club - I have had a membership through work for a long time that is expiring next month. I would like to start with my own membership - what is the best deal? Is there an Amex one going on?

DoC has this offer.
https://www.doctorofcredit.com/sams-club-join-for-45-get-45-money-maker-after-stacking/

 

[palhockeymomof2]

I guess I’m wondering - even if I get the $150 retention offer, should I keep it??

The way I math my CSR out is $450AF-$300 credit-$150 retention offer= 0...We use DoorDash so I’m up $60 there, I’ve used PYB to offset almost $7,000 so far, plus we book vacations with the travel portal so for us keeping 1 CSR is worth it....but may not be for everyone

 

[Albort]

WWYD? I’m reading the reports about getting $150 retention offers on the CSR. I was just about to downgrade DH’s to a CFF. Now I’m debating - I get that with the $150 off, it’s basically free if you use the $300 travel credit. BUT, we’ve already used the $300 travel credit for the coming year, without paying anything. So it WOULD cost us $300 to keep it, since that’s $300 we wouldn’t otherwise pay. We would use the $60 DoorDash credit, but that’s probably it. I also have a CSR, so we are covered on PYB and such. My head says to still downgrade but my heart feels like I’m somehow missing out on a deal???

theres also some $250s too.

 

[disfanforlife]

DoC has this offer.
https://www.doctorofcredit.com/sams-club-join-for-45-get-45-money-maker-after-stacking/

Thanks - I will check this out!