I love credit cards so much! v2.0 (see first page for add'l details)

[WDW dreaming]

I like to keep it on me at all times. Sometimes I'll flash it at a restaurant to see if it gets me a better table. If you're single, could make for a great pickup line: "Hey - wanna be my companion?". If things aren't going my way at any time, anywhere - I pull it out and shout "DO YOU KNOW WHO I AM" and slap the card down in front of them. At the movie theater, I ask them if it entitles me to free popcorn. At the library I pull it out and they say "sir, do you have your library card?" and I'm just like..."No, this is actually better, it's ok"

Seriously though, it means nothing, absolutely nothing!

EDIT: In case there was confusion, I don't actually carry it with me nor do I do any of the things above. If you attempt those things YMMV...

Laughed so hard I was crying when I read this!

 

[CyndiLouWho]

When we were there in 2017....the day after Halloween...the studios had Christmas decorations up....don’t know how quickly the other parks change over or if this is how they usually do it....that was the only park we visited after Halloween..since we were leaving that night

That’s interesting. We were there in 2015, the week before Thanksgiving. Fall/Hallow decor at the beginning of our trip, Christmas at the end. We were at Epcot 2 days in a row, the last day of Food & Wine with a big Mickey grilling topiary, next day Christmas tree in the same spot. They must have moved up the decor.

 

[CyndiLouWho]

I agree with wanting some yard (of course I have 4 dogs). The houses that are being built around my house have almost no yard (and the garage behind them) and the aesthetic does not appeal to me. Fortunately we have a corner lot (2 1/2 lots actually) and all of the expensive no yard homes are making my property values go up up up. So big more valuable yard for me. Win-win.

In Chicago, the house with alley is pretty common though there is almost always a small yard between house and garage. However, I would not want a house here with an alley, they are never plowed after it snows so good luck getting out of your garage. In the Chicago burbs where I live there are a few alleys, though they are rare. The older houses have detached garages in back but accessible with a driveway running front to back next to the house. Newer houses have attached garages. However there are restrictions as to how much of your lot is buildable. Our suburb requires 50% green space. Although variances are approved sometimes, you could never have ‘no yard’

 

[GusGus16]

Another super busy day at work, got home and read through the 25 pages from today well worth it. I'm also debating going for my second CIP, was approved for my first 8/18. Will be 4/24 on 4/1. Would be my 3rd chase bus card. Going to decrease my credit limits soon in preparation. I have not gotten instant approval for a business card so will be expecting the wait. I was also debating going for the United bus instead but all the discussion has really solidified my plan for 2nd CIP as long as the loophole continues.

 

[CyndiLouWho]

Can anyone tell me if this looks like my travel package is attached to my Marriott reservation or if I need to call them again?

I see this:
View attachment 387636

And I don't have enough regular points (Reservation is 210,000 and I only have 51,xxx).

View attachment 387637

Should it say something else, or does it look like I'm all set? Thanks to anyone who might know!

Is that the app or website. My app looks like that but website clearly says e-cert

 

[palhockeymomof2]

That’s interesting. We were there in 2015, the week before Thanksgiving. Fall/Hallow decor at the beginning of our trip, Christmas at the end. We were at Epcot 2 days in a row, the last day of Food & Wine with a big Mickey grilling topiary, next day Christmas tree in the same spot. They must have moved up the decor.

We were just at the studios...so Epcot was probably the same in 2017 since food and wine would be still going on

 

[Haley R]

In Chicago, the house with alley is pretty common though there is almost always a small yard between house and garage. However, I would not want a house here with an alley, they are never plowed after it snows so good luck getting out of your garage. In the Chicago burbs where I live there are a few alleys, though they are rare. The older houses have detached garages in back but accessible with a driveway running front to back next to the house. Newer houses have attached garages. However there are restrictions as to how much of your lot is buildable. Our suburb requires 50% green space. Although variances are approved sometimes, you could never have ‘no yard’

That's nice that they require 50% green space and I bet that helps a lot.

 

[wed100105]

Oh no! I applied for the CIP a couple of weeks ago and was granted instant approval with a $16,000 credit line. I applied for DH tonight and he received a "Decision Pending" notice. Hmmm....

On another note, I had to laugh at the Dunkin reward comment. I only get Starbucks offers and bonuses when I'm hard-core dieting. When I want a cheat day, they're stone-cold full price money-hungry #($@%*@!

 

[palhockeymomof2]

Oh no! I applied for the CIP a couple of weeks ago and was granted instant approval with a $16,000 credit line. I applied for DH tonight and he received a "Decision Pending" notice. Hmmm....

On another note, I had to laugh at the Dunkin reward comment. I only get Starbucks offers and bonuses when I'm hard-core dieting. When I want a cheat day, they're stone-cold full price money-hungry #($@%*@!

You can call the 800-432-3117 line to check on DHs application...2 week message..probably good 7-10 day either ID verification or denial

 

[Lain]

Oh no! I applied for the CIP a couple of weeks ago and was granted instant approval with a $16,000 credit line. I applied for DH tonight and he received a "Decision Pending" notice. Hmmm....

Instant approvals for Chase biz cards are pretty rare. It’s more common to get the “we need more time” message, then to hear, hopefully, the 30 days or 2 weeks message on the automated status line. Good luck!

 

[wed100105]

Instant approvals for Chase biz cards are pretty rare. It’s more common to get the “we need more time” message, then to hear, hopefully, the 30 days or 2 weeks message on the automated status line. Good luck!

I called and received the 30 day message. That was about 5 minutes after I hit submit. Does it update frequently or is the message right away the same message throughout the whole process?

Moving on to a personal Chase card for me now....researching, researching.

Also, am I the only person who can't read Reddit? I can't stand the formatting!

 

[EACarlson]

The status line will change as the application moves through departments. As long as it doesn't say 7-10 you should be fine.

 

[Lain]

I called and received the 30 day message. That was about 5 minutes after I hit submit. Does it update frequently or is the message right away the same message throughout the whole process?

Moving on to a personal Chase card for me now....researching, researching.

Also, am I the only person who can't read Reddit? I can't stand the formatting!

The status line does update. You don’t want it to update to the 7-10 days message. That’s likely denial. 30 days and 2 weeks are good. Chase is reviewing. Just keep calling in periodically to check for movement and, hopefully, good news eventually.

 

[AmyAnne]

So I've been following all of this talk about applying for multiple CIPs, and I'm seriously tempted to try to get another CIP for DH. He is currently at 3/24, and his current CIP hits its one-year anniversary on March 21. In an ideal world, I would wait until his CIP hits its anniversary, cancel and then have him re-apply after a little bit of "cooling off" time. Also, his last Chase card was the SW biz approved on 12/26, so I'd ideally wait until the end of March to give his Chase apps the recommended 3-month minimum spacing. My dilemma is this: The PIF date for our summer Africa trip is coming up, and it's the most expensive trip we've ever taken. I have a very generous credit line on my CSR, but it won't be enough to cover the full balance payment. I definitely want to earn 3x for every dollar of the balance payment on that trip. Right now in terms of paying off Africa, my gameplan is to hit DH's credit limit on his CIP first (since we aren't really using his CIP at all since now that I have my own CIP), then hit a good portion of the credit limit on my CIP (leaving room for eBay shipping fees since that seems like the only 3x category left on the CIP that we actually use), and put the balance on the CSR so we aren't hitting the full CSR CL and still have some flexibility to put dining and other misc. travel expenses on the CSR. What's niggling at me is the possibility of having DH apply for another CIP now (before cancelling his existing one and waiting a little bit) and being able to knock off the MSR in one payment by using that new CIP for the payment of part of our Africa balance. He currently has 3 Chase biz cards (CIP, CIC and SW Biz), so this would make a fourth for him under this SSN. I also don't want to risk a shutdown for him because his CIC is our only one currently, and it is our second biggest UR earning cow behind the CSR right now. So what does everyone think? Go for it? Is it it too risky that not only will he be denied, he'll also be shut down? Should I just go the conservative plan and wait until after I've used his CIP for part of our Africa payment, close it after its anniversary and then have him apply for another? At that point, I'm definitely less excited because I will need to come up with another way to meet that $5k MSR.

I know that we usually talk about lowering CL but in this case, maybe ask Chase to increase the CL on your card?

ETA - never mind; should have kept reading . . . hope you get an approval soon!

 

[AmyAnne]

I'm a wreck. Just discovered a disgusting growth on my 12-year old pup's ear. Can't get her into the vet until tomorrow I need this dog around for a few more years!

Sending good vibes -- my in-laws have an older dog who has a variety of skin growths that the vet has said not to worry about.

 

[snugglebug]

I've been down with a terrible stomach bug for almost a week now with no end in sight. I even fainted in the shower. I'm slowly dying. But, I'm doing my best to keep up here, priorities ya know.

I need help wiht two things, I know I could look them up, but ugh, my screen time is limited and priorities lol

1. What is the tax pay site that's under 2%? Can I use Amex to pay?
2. Can I use Amex via Plastiq to pay car loan?

Thanks! Back to sleep I go.

 

[palhockeymomof2]

I called and received the 30 day message. That was about 5 minutes after I hit submit. Does it update frequently or is the message right away the same message throughout the whole process?

Moving on to a personal Chase card for me now....researching, researching.

Also, am I the only person who can't read Reddit? I can't stand the formatting!

30days means they haven’t look at at the application yet...I’ve had business applications take anywhere from 1-10 days to be approved
Reddit I just skim...too much drama..other tha our dischurners group which is awesome

 

[StephPlum]

I like to keep it on me at all times. Sometimes I'll flash it at a restaurant to see if it gets me a better table. If you're single, could make for a great pickup line: "Hey - wanna be my companion?". If things aren't going my way at any time, anywhere - I pull it out and shout "DO YOU KNOW WHO I AM" and slap the card down in front of them. At the movie theater, I ask them if it entitles me to free popcorn. At the library I pull it out and they say "sir, do you have your library card?" and I'm just like..."No, this is actually better, it's ok"

Seriously though, it means nothing, absolutely nothing!

EDIT: In case there was confusion, I don't actually carry it with me nor do I do any of the things above. If you attempt those things YMMV...

Thanks for the laugh. I can't imagine why they mail these out.

 

[mmmears]

DW and I just had to give DD her flonase for the first time, She's never taken anything like it so she asked if she had to swallow it and DW said nope. Then in the most serious, deepest, very concerned voice I have heard from here she yells "THEN WHERE'S IT GO?" Lets just say neither of us could get a word out for the next five mins.

OMG, LOL!

 

[wanderlust7]

I've been down with a terrible stomach bug for almost a week now with no end in sight. I even fainted in the shower. I'm slowly dying. But, I'm doing my best to keep up here, priorities ya know.

I need help wiht two things, I know I could look them up, but ugh, my screen time is limited and priorities lol

1. What is the tax pay site that's under 2%? Can I use Amex to pay?
2. Can I use Amex via Plastiq to pay car loan?

Thanks! Back to sleep I go.

Hope you feel better soon! The lowest is Pay1040 .com at 1.87%. Yes, you can use AmEx.

I know that we usually talk about lowering CL but in this case, maybe ask Chase to increase the CL on your card?

ETA - never mind; should have kept reading . . . hope you get an approval soon!

Just for future reference - Chase will do a hard pull if you ask to increase CL.