havaneselover
Dreaming about a Disney cruise
- Joined
- Nov 9, 2009
Yes I got that email after it went missing from pending I think.Wierd. Just got an email from Chase that my bonus points from the portal went through.
Yes I got that email after it went missing from pending I think.Wierd. Just got an email from Chase that my bonus points from the portal went through.
I heard that as long as you screenshot the receipt and send to chase showing it was made before or on 12/14, they will give you the points.im really worried about the walmart purchase i made 2 days ago. Its been taking like 4-5 days for the transaction to post, since today is the last day, it would post like 12/16. it makes me wonder if that would not count since its outside the 12/14 window.
Ok, that's what I was wondering. Does Citi do that do you know?
Thank you!When I called, I was told there was no option to PC to any other Citi card. I just went ahead and cancelled - I had the card less than a year so might even help the credit score. I thought briefly about hanging up and trying with a different rep, but I didn't want another Citi card that badly.
It will count but you may have to SM Chase back and forth a bit with the order info. We placed an order on time last time we did this promo but Walmart took forever to post the charge and when they did they said the transaction date was after the promo period. Had to SM Chase proof that we'd ordered it within the time frame and then the gave us our bonus points.im really worried about the walmart purchase i made 2 days ago. Its been taking like 4-5 days for the transaction to post, since today is the last day, it would post like 12/16. it makes me wonder if that would not count since its outside the 12/14 window.
Obviously the Plus card - but that probably doesn't help you here. I also think they have an even lesser version of the card with a $39ish annual fee and no bonus points annually. If they still offer it as a PC, It's a seriously crappy card...you can't apply for it - can only downgrade to it.I need to prep for getting a new SW CP, which involves closing down my SW premier that I have had 6 years. There isn’t anything to product change it to, correct? I hate to lose the age of the account.
If I can’t PC it, I will move the credit line over to my freedom I guess. Freedom is my oldest card and smallest limit but I use it a lot to max categories.
Didn’t I read about a 100k Amex Platinum offer?
I can’t fine one.
I need to prep for getting a new SW CP, which involves closing down my SW premier that I have had 6 years. There isn’t anything to product change it to, correct? I hate to lose the age of the account.
If I can’t PC it, I will move the credit line over to my freedom I guess. Freedom is my oldest card and smallest limit but I use it a lot to max categories.
The current public offer is only 60,000 MR points. There are a number of ways to get yourself targeted for the 100k offer:
https://www.doctorofcredit.com/cardmatch-offering-people-100000-points-american-express-platinum/
https://www.doctorofcredit.com/another-possible-way-get-100000-platinum-offer/
https://www.doctorofcredit.com/incr...bonuses-incognito-mode-back-list-offers-ymmv/
https://www.doctorofcredit.com/two-new-ways-access-higher-american-express-offers/
I got that offer too. Couldn’t figure out the minimum or if it’s all online or brick and mortar too?I just got an email with a bunch of retailers and Apple Pay...$5 iTunes gift card when you use Apple Pay. Can do each retailer once. Saw ebags. Don’t see minimum purchases listed anywhere...not sure where to find that info.
Thank you. Would you be able to point me to a resource for the acronyms that you used? Also, what does 5/24 mean?I would suggest variable point cards. If you aren't over 5/24 then the Chase Sapphire Preferred or Chase Sapphire Reserve. Combined one with a Freedom card and you can earn UR points much faster and then transfer the Freedom UR points to you CSP or CSR account so they are more valuable.
If you are over 5/24 then I'd look at getting under for the Chase cards if do-able. If not, Amex Membership Reward cards that transfer to airlines.
My personal favorite UR card is the Chase Sapphire Reserve since I am able to maximize the annual travel credit, the 3x dining and travel bonus category that far outweighs the fee. However, without the ability to combine the Freedom, Freedom Unlimited and Ink business card, it would not be as valuable.
On the Amex side, my personal favorites are the SPG, Amex Platinum combined with the Everyday card. I vale the SPG ability to transfer to over 30 airlines. I value the benefits on the Amex Plat and the point earning on the Everyday card. If I didn't juggle so many cards, I'd have an Everyday Preferred card but since I do it doesn't make sense in my situation.
Closing newer cards doesn't affect the score much. As you open new card you lower credit utilization which raises your score. Not everyone cancels cards as some are beneficial long term. If you are perpetually LOL/24 then you can't churn a good number of the Chase cards. Amex has a "once per lifetime" bonus rule so unless there is an offer with that language missing, you can't churn their cards either.
One good card might be fine for some people to meet the goals they have for their vacation plans. I can't have one good card. That would never allow me to do the type of travel and vacations that we do. I have several good cards and exploit the heck out them. Think about what you dream travel goals are first. Where do you want to visit and how often. Then, think about how much you spend on average in certain categories like dining, travel, gas, groceries etc. Then find out if your nearest airport(s) are a hub for any airlines. Then find out exactly how many credit cards, both bank and store cards you have opened in the last 24 months and include the number of cards you were placed as an authorized user. Once you have those answers we can all point you in the right direction. I give you this advice so you can avoid the mistakes that others on this thread have come to regret because they did not take these steps first.
Wow. Thank you for your response , novella and all! You sound enthusiastic and knowledgeable and I appreciate you sharing your knowledge with me. I’m going to check out the chase sapphire as I’ve seen it mentioned here multple times. And I’m finally going to get rid of the capital one card. I don’t think I could maintain the high number of credit cards as others do here but a hearty 3 or 4 is good for me for now. Thank you again. I will keep you posted!Going to try to keep this simple- but that’s pretty hard given the questions. This advice is given based on the assumption that you are looking to add just one or two cards.
Let's start with closing accounts. Yes, you should close them 1) if you don't use them and 2) IF they have an annual fee. If they don't have an annual fee, and the amount of available credit available is relatively high- then keep them even if they just sit in a drawer and rarely get used. Based on my score and all the fluctuations I have seen over the years to my score by doing 'x' and seeing a resultant 'y' to my score- IMHO available credit line affects your overall score a considerable amount. We have been debt free for decades and pay for everything as we acquire it, and with low utilization (which means we use a small percentage of credit available to us) my score stays well over 800 unless we are acquiring a lot of new cards over a short period of time- then 'hard pulls' (this is when an issuer accesses your credit report when you apply for a card) will drop it under 800 for a period of time. If the cards you are thinking of cancelling have an AF, open another card with the same issuer that does not have an AF- then TRANSFER your available credit to that new card before cancelling it. That will keep your utilization low (available credit high), thus keeping your score relatively the same- and prevent the lowering of your score that you are concerned about.
Some cards we keep because we use the benefits, others with no AF we keep because of utilization/available credit line as described above (the ones that stay in a drawer). Honestly, the Disney Visa is a terrible choice to use for everyday spending. We have one, and keep it for the occasional benefit we can use (and the credit line/utilization)- but we rarely use it.
Given the cards you have outlined, if you only want to get one card- I would recommend the Chase Sapphire Preferred. If you travel and eat out a lot- the recommendation would be for the Chase Sapphire Reserve. For those folks that are comfortable only carrying a few cards, it is better to pick cards that have more of a ‘universal currency’. So- for example- the two Chase cards above use Ultimate Rewards. These points can be transferred to multiple airlines and other travel related businesses- and can also be used through the Chase travel portal to pay for a whole trip if enough are available. AmEx has a similar program with Membership Rewards, but Ultimate Rewards are ‘worth more’ per point, which is why the Chase cards get the recommendation. Also, there are a bunch of rules that different issuers have- so there is an order in which one should apply for cards. The smartest way to maximize return when applying for cards is to start with Chase cards and go from there. To be clear, these cards get the recommendation because of their sign up bonuses. Once you get the bonus- there would be better choices for everyday spend. But since I am trying to keep this simple- the Sapphire (either one) is a WAY better choice than the Disney card to switch your everyday spend to.
That said, if you want to jump into this travel hacking ‘game’ and pay for a bunch of your travel with sign up bonuses- then start by reading the ENTIRE thread from the beginning. Pay attention, and re-read what you don’t understand. At first, it will seem like a foreign language- but at some point the ‘system’ or ‘game’ or ‘hobby’ will become clear. At that point, you need a plan. Some of us have MILLIONS of points and miles banked for upcoming travel, which is why it is hard to recommend just one card- as between my wife and I we have many dozens of cards. Start slow, and ask questions when you don’t understand something. Save your questions, as most of them will get answered by the time you get through this thread. Yeah- it's 'homework'- but the payoff can be huge.
You should pick a card (or cards) with a goal in mind- regardless of what others are using. That’s why it is always better to start with the ‘universal currency’ cards- as they are more flexible in how you can use the points. So anyways, this has gotten a lot longer that planned- so going to end this novella
Got 2300 points each for my ebags purchase on my freedom and freedom unlimited.Yes I got that email after it went missing from pending I think.
Thank you. Would you be able to point me to a resource for the acronyms that you used? Also, what does 5/24 mean?