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

[afan]

It makes you realize how big and busy life is that a few fatalities don't get the nationwide press whether it be a car crash or a plane crash. We get the sensationalized stuff that will grab viewers.

I think it was on national news for at least 2-3 days, I know it was on local. It also doesn't help that it happened on a Saturday. I did just google it and at least they did find the black boxes. And even with new information there I would imagine we won't see much/any on the news unless they really want to freak people out.

 

[Judique]

I think DH might have just started using his this week, but it could be one of the few he got as swag over the last couple of years. I'll have to ask him later if it's the Beagle. It's not something he needs, but figured better to test one out than to just have a few lying around. We tried to get DD to take one to use at college but she declined.

I should figure out how to attach it to my phone. I'm constantly losing my phone in my house and emailing the kids to call me so I can locate it when it rings.

The worst was when I was working and I had to call to find it - in my handbag - which I'd already searched through.

 

[snugglebug]

I have us booked (2 rooms) on my UR at a Hilton. I plan to get the Aspire to help offset resort fee and I already have plans max out the other benefits of the card making it worth it. Better to get the card in my name or P2s? I don't know that status will do much for us, but just in case, does it matter?

I'm feeling so much better today, just purely exhausted and hurting joints. My goal is In-n-Out for dinner, even if it's only half of a #2 protein style.

 

[FoxC63]

Amex and Chase rarely ask for documentary proof. If you apply using your legal name and SSN as your business name and Tax ID number respectively, the most they’ll ask you for is maybe ID, SS card, and a utility bill to prove you are who you say you are. Most applications get approved automatically without any human intervention. When you’re ready to apply, just run it by us to make sure you’re not missing anything.

I'm still waiting for DH to sign up on Chase $600 new bank accounts. Not sure what the hold up is.
I did tell him about Amazon (his account) and that he should cash out. He had no clue what I was talking about.
Seeing how people can vent without being judged here, which is totally cool. Let me just say...
"DH don't worry about the money, just make it and I'll take care of the rest!"

Yeah, I would never say that to him, nope. Not cool. We're > ,

 

[Lain]

That would totally work! However, he has a “business,”

thanks so much!
When I referred him from Amex he got an offer for the Marriott Bonvoy personal card for 100,000 points. If I have him apply for the personal will that work since he has the SPG Amex? Will he have to close it first?

If he has to apply for the business card, how strict is Amex about businesses? He has the CIP, but I know Chase is more lax about this.

Thanks again for all of your help!

Two things:

1. Since the merger and the consolidation of Marriott’s credit card offerings between Chase and Amex (and rules restricting eligibility between the two as @miztressuz mentioned earlier), Amex now offers a super premium consumer/personal card called the Bonvoy Brilliant (formerly the SPG Luxury) and a small business card called the Bonvoy Business (formerly the SPG Business). Up until about 2/12/18, it was still possible to apply for the legacy SPG Amex, which is the card you two have. The SPG Amex is no longer available to new applicants, so I’m guessing between the Bonvoy Brilliant and the Bonvoy Biz, you’re seeing the option to apply for the Bonvoy Brilliant.

See this post for a comparison: https://www.disboards.com/threads/i...r-addl-details.3729982/page-299#post-60259020

Note that the Bonvoy Brilliant and Bonvoy Biz have the same 100k points for $5k MSR in 3 months offer. However, if you apply for the Bonvoy Biz before 3/28/19, you get the first year AF waived, lock in a lower second year AF of $95, before the AF presumably goes up to $125 in the third year. You’ll need to pay the AF in the second year in order to get the 35k free night certificate that’s supposed to deposit after each cardmember anniversary, so the value of the AF relative to that FN cert is something to consider. The Bonvoy Brilliant comes with a few more benefits, but has a $450 AF that is not waived. Something else to consider is the Bonvoy Brilliant will also add a card to DH’s */24 count; the Bonvoy Biz will not affect DH’s */24 count. If the Bonvoy Brilliant is the right card for you, DH should be eligible for the bonus (unless he gets the pop up, discussed below) because the Bonvoy Brilliant/SPG Lux is considered a different card product than the SPG Amex.

2. If you can believe it, Amex is generally easier when it comes to biz card approvals than Chase. I think the major issue on the application is you need to input at least 4-digit revenue.

However, note that Amex has been cracking down on so-called gamers (or churners) — customers they perceive, based on their history with Amex, sign up for Amex cards for their bonuses, spend just enough to meet MSR and earn the bonus, then stop or dramatically drop their spend on the cards until it’s time to close them. If Amex has identified DH as having a history of opening and closing cards for bonuses, DH will get a pop up warning when he’s ready to submit the application that based on his history he’s ineligible for the bonus on the card he’s applying for.

 

[Lain]

If I have him apply for the personal will that work since he has the SPG Amex? Will he have to close it first?

If he has to apply for the business card, how strict is Amex about businesses? He has the CIP, but I know Chase is more lax about this.

Thanks again for all of your help!

One more thing, unless DH is maxed out at 5 Amex credit cards, I wouldn’t close the SPG Amex unless I had to.

Like I mentioned, keeping it open won’t preclude him from getting either the Bonvoy Biz or Bonvoy Brilliant bonuses because they’re all different card products.

The SPG Amex is a legacy card that you can’t apply for anymore, and it offers a 35k FN cert every year as long as you keep paying the $95 AF. We’ll see with time whether the 35k FN cert holds its value with the introduction of peak pricing and future category changes. Even with the recent category changes, I’m still able to use a 35k FN cert to book a $250/night room around Disneyland. I think that’s worth more than $95. If you have several FN certs from your various Marriott and SPG (now all Bonvoy) cards, you can put together a nice free week somewhere or a few weekend trips.

And besides, keeping Amex cards open keeps Amex happy, and when Amex is happy with you as a customer, they’ll keep approving you for offers without the no-bonus-for-you pop up.

 

[DisneyMandC]

If memory serves, someone posted they bought a $100 Visa with their Kroger GC, then went to BB via SB to purchase a Disney GC.

I was actually thinking about that earlier. The Visa fee would basically negate my fuel points deduction, but I would get more back with SB. I might try this next time I pick one up...

 

[MKCP5]

Discover would be good, a card from wherever her primary banking is would be good. If she is going to pay it off every month an AMEX Gold could be a consideration. If you go over to Discover Scorecard you can sign up there and get an actual FICO score. That would be a good indication of what she might have available to her. For maximum scoring efficiency she needs three revolving lines of credit and one installment. Student loans and the auto loan cover the installment. Chase usually likes to see 1 year of card history before they will start approving without a prior relationship. Discover and Capital One is where most people start, she could get a Platinum from Capital One and in three months convert it to a Quicksilver with 1.5% cash back.

Is discover widely accepted? It used to be that it wasn't. She has offer here now for a Capital One Platinum

 

[DisneyMandC]

The recommendation for selling AA gift cards to get Amazon credit immediately was Cardcash right?

 

[momincolorado]

So I need to get the Bonvoy Biz for DH before 3/28 and would like to get CIP #2 for him. I was thinking of waiting until next month to get the CIP since I closed his CIP #1 on 3/1, even though it sounds like it doesn't really matter if you wait 30 days. But then if I need to apply for Amex before then, is Chase going to see that and balk? Should I just apply for the CIP right before Amex?

Struggling to keep up with this thread but wanted to share our experience with DH's CIP application (CIP #1) followed by Amex Marriott Bonvoy Biz (no prior relationship with amex other than Costco before they switched to Citi years ago). Applied for CIP first then 18 days later for the bonvoy biz, both had HP, both pulled from Experian. Both were instant approvals.

 

[elgerber]

.

 

[mmmears]

Not sure if this is old news or not (I do my best to read every post) but DH and I both had a nice offer for CPK on our Gold Amex cards.

The offer: Spend $50 or more, get $15 back. Up to 2x

 

[liloca]

I think @Lain is starting to advise a possible business card and when you apply for a business card, you should have some kind of business. You will be required to check off on the application what category your business is in.

So, if you do something such as selling on ebay, you will check off the category that your business falls into.

Just a DP, when I opened my first bussiness card I had a “plan” to open an Etsy store. I never did open one and I now have 3 bussiness cards. But did end up selling 2 items on eBay for whopping profit of $12

 

[liloca]

Thanks for all of the Happy Anniversaries! We aren't doing anything really this year since we've been going on trips and have our Japan trip soon. We did order Papa John's and got a pizza for free so that was fun lol

Dh found his wallet!!! It was on our stationary bike. Neither of us ever thought to look there even though it's in plain sight. I'm so glad he has it now since he flies Sunday to Orlando. He did already order a replacement for his CSR so he cut up his other one.

Happy Anniversary!

 

[Lain]

Not sure if this is old news or not (I do my best to read every post) but DH and I both had a nice offer for CPK on our Gold Amex cards.

The offer: Spend $50 or more, get $15 back. Up to 2x

That’s for online orders, right?

 

[SouthFayetteFan]

Struggling to keep up with this thread but wanted to share our experience with DH's CIP application (CIP #1) followed by Amex Marriott Bonvoy Biz (no prior relationship with amex other than Costco before they switched to Citi years ago). Applied for CIP first then 18 days later for the bonvoy biz, both had HP, both pulled from Experian. Both were instant approvals.

Congrats!! Don't forget about the news thread on DISchurners which you can use to keep up with the most important stuff:
https://www.reddit.com/r/DISchurners/comments/98uhu9/member_list/

I try to make comments of major news stories there when I remember but more credit goes to @Lain who does a GREAT job keeping it updated too!

 

[SouthFayetteFan]

Just a DP, when I opened my first bussiness card I had a “plan” to open an Etsy store. I never did open one and I now have 3 bussiness cards. But did end up selling 2 items on eBay for whopping profit of $12

But yet your business is raking in the signup bonuses so profit has never been better!!

 

[SouthFayetteFan]

All worked out for me with Raise.com...

I uploaded proof that my card had been activated 45 days. Sold it within 8 minutes of being listed on Friday, money is in my bank account today! $205.70 for a $250 gift card. (I probably could've gotten more but I just wanted to get it moving)...

Just bought the $200 card for my wife's AA credit so now begins my 45 days to sell that card. I know the 45 days is annoying but I really don't need the money any sooner and Raise has been so reliable that I'm sticking with it!

EDIT: The one thing that is a bummer, when I've sold with Raise before I usually could find a promo code to lessen the 15% fee or I got a promo code after selling to purchase a card at a discount. Neither of those things happened this time, not that I expected it, but I was hoping, lol!

 

[platamama]

I buy them in the regular line and don't have a problem. Hope it works for you!

I used to buy the vgcs in the regular line but I feel less judged by the self-checkout.

 

[mmmears]

That’s for online orders, right?

Yes, I believe so. Works for us since we can order a salad and bring it home for dinner. Pizza's tough since it's better right out of the oven in my opinion. Guess the online bit means no GCs?