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

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ETA - are you seeing people here with masks? I'm not. We wear cloth ones when we go out walking and I think I've only seen 2-3 people doing the same. :(
Have you read Erin Bromage's blog post about risk of getting infected? He's an asst professor in biology at UMass Dartmouth, and after reading his thoughts and the Vox article he cites about running/biking, I feel a bit better about being outdoors without a mask (although I still bring one with me to put on if I need to and definitely keep my distance from other people).

TLDR summary - you need a minimum infective dose and by being outside where the virus particles disperse and get diluted in the air, your chances of getting that dose are relatively small as long as you keep your distance. Once outdoors the virus eventually gets disabled.

In my area, almost everyone is wearing masks in a store. Outdoors is hit or miss, so keeping my distance is first and foremost.
 
FYI - It looks like Amex is limiting cardmembers to 4 credit cards (personal or business) now, down from 5 previously. There has been some chatter about this since late last week (DPs, however, are a bit mixed), but MTM reached out to Amex and they confirmed via Twitter. Amex recently reduced the limit on open charge cards to 10 at a time. Open charge cards do not (at least, should not) count against your number of open credit cards (and vice versa) for each limit.

https://milestomemories.com/confirmed-american-express-does-have-a-new-4-card-limit/
ETA: If you have 5 Amex credit cards open, they'll remain open until you close them, but it appears you won't be approved for any more Amex credit cards until you close two and drop down to 3 credit cards with the 4th slot open.

NOOOOOOO! Just when I was about to do the free Hilton card! I guess I have to wait for one of my other spots to open. Has anyone tried to confirm it's 4 now?
 
Just a reminder for eBags fans - if you have eBags Rewards, they are ending the program. The last day to redeem your rewards is 7/31/2020 and the last day to earn them is 5/31/2020.
 
Is an 'equity loan' when you take money out? We aren't doing a cash out. Better.com had the best rate we could find and were willing to match anything we found lower. Combined with the Amex offer, it seems like a good deal. We will save between $200-250 a month. Can't complain!
What is the amex offer? I have been debating a refi to get out of the VA loan I got to assume and give it back to the ex, but my current rate is 3.25% and I've not seen much lower then that.
Were you targeted for the Amex offer (I'm guessing it's the $2500 back) or did you just ask them about it? We tried to refi recently but since our house is in construction, it didn't work out - we should have known and saved ourselves the hard pull but live and learn. Hopefully the rates will stay low until we finish the house towards the end of the year.

In cc news, I logged into Amex and saw they offer one year free of Calm app. We aren't a quiet, meditative bunch but I should probably use something like this as I wallow in the anxiety of not knowing what will happen with my job.
 


I just read where you can get a "Founders Card" for only $99 right now. Regularly $595. Does anyone have this. Looks like you get 4 nights free at Atlantis. But looking like it may need to be used by January 31st, 2021?? If I and DH or DS each get a card - would we be able to to book 2 rooms. (otherwise you have to pay extra for the kids each night anyway - so may as well have 2 rooms, just not sure if this is allowed. Assuming this does not go by Calendar year but from when you signed up?

Thinking this might be a good deal but would like to hear from those that have this.
 
I just read where you can get a "Founders Card" for only $99 right now. Regularly $595. Does anyone have this. Looks like you get 4 nights free at Atlantis. But looking like it may need to be used by January 31st, 2021?? If I and DH or DS each get a card - would we be able to to book 2 rooms. (otherwise you have to pay extra for the kids each night anyway - so may as well have 2 rooms, just not sure if this is allowed. Assuming this does not go by Calendar year but from when you signed up?

Thinking this might be a good deal but would like to hear from those that have this.

that deal is the Caesars Entertainment Diamond perk. Not quite worth it though, lots of really bad reviews at Atlantis. dates makes sense as Diamond expires Jan 31st 2022(status extended a year).
Linkage: https://www.caesars.com/myrewards/partners/atlantis-paradise-island
 


Decided to do some CC spring cleaning over the last few days.....have closed Barclays JetBlue Biz (finally rid of that horrible website), Chase Bonvoy Boundless and Amex Gold. That last one was the only tough decision but at $250, I'm not feeling the love for it that I used to - especially as I rarely use the dining benefit.

The plan for May was to apply for a CIU, but given the current environment around sole prop apps, decided to forego that option and instead received instant approval for a new CSP. :thumbsup2

My remaining decision for this month is whether to keep my CIP which will incur the AF imminently. I was thinking of canceling but then @SouthFayetteFan gave me second thoughts with his 'chat' a couple weeks ago. Still thinking this through.
 
that deal is the Caesars Entertainment Diamond perk. Not quite worth it though, lots of really bad reviews at Atlantis. dates makes sense as Diamond expires Jan 31st 2022(status extended a year).
Linkage: https://www.caesars.com/myrewards/partners/atlantis-paradise-island

Yeah - reading the reviews. Not the best resort rooms but for a basically free 4 night stay - might be Ok. Also planning on Vegas in August (hopefully) and have reservation at Paris. That would take care of the resort fees there plus a $100 dinner and show tickets.
 
I only get a daily email from them with hot deals-type stuff now. Years ago I used to be a big sweepstakes enterer but that has fallen by the wayside. I did have some big wins when I was doing it, 40" TV, $500 and $1000 GC, but it takes time.

Oh my gosh! A fellow former sweeper. I won some good things back in the golden days- trips, cruises, money. It got to be too much when the last baby came. (She’s 25 now!) I tried to get back into it about two years ago, and committed to sticking with it for a year. It wasn’t worth it. Back when I originally did it, it was virtually all mail ins, and I won something nearly every week, even if it was something small like a t-shirt. I put a ton of time into entering online, but didn’t win too much. A few T-shirt’s, a couple of $100 gift cards, and the best was a scammy trip to Bali, which I got $1000 from. That was the money they expected us to purchase two tickets to Bali with, for a four or five night trip that would have taken over 24 hours one way to get to. No thanks.
 
I have just changed my CIP to a CIC to avoid an annual fee. Now I need to figure out the bast way to use this card. I will also product change another card to a CIU when that annual fee comes due leaving me with no UR earning cars, at which point DH will refer me to a CSP for the bonus and so I have at least one card open to keep my points redemption when necessary.
 
Can I just say that I love this board?

Moving full steam ahead for Hawaii 2022 and thinking Hilton Hawaiian Village looks good before moving to Aulani. I haven’t gotten a new card since January so I’ve been looking for something with a small MSR.

I searched this board and found that the Hilton no fee card had 100,000points incognito so I have it a shot. It worked and I was approved instantly. I also want to thank whoever recommended having a Hilton Honors number before getting the card. I got to the slot asking for my Hilton number and quickly opened another browser to sign up quick.

Love this thread :love:
 
Is that one of those stupid Medallion guarantees? We had some accounts with a company that required these, it was a pain. Had to make an appointment, once she refused to guarantee a certain form so we had to get a different one faxed.
Yup. I find it ridiculously annoying that the guarantee is required to transfer funds out of an account held with a bank that doesn't even HAVE brick and mortar locations (it's USAA, so they have handful of physical locations in the entire world, which DH is oddly loyal to). So, you have to have an account with ANOTHER bank that both has a local brick and mortar location AND offers the guarantee. We live kind of out in the middle of nowhere, so BofA is the only bank I could find near enough to us that has the medallion guarantee. There are a couple of options about an hour away, but DH has used a physical bank a couple times a year for cash purchases that put him beyond our ATM withdrawal limit. (he's a FB marketplace junky).
I need to either get an active POA again, or have DH start the whole process anyway, so I still haven't gotten it done since opening the BofA account. It's not a huge deal. We don't run enough money through there to have run into any major issues. Although, I can't figure out a way to set up autopay for my entire statement balance for the CC I have through them. The interest is 0% for the first year, but after that I may stop using the card, because I don't want to have to remember to make a credit card payment.
Course....now I'm down the rabbit hole of BofA benefits and bonuses. I mean, if we already have money there, it might be worth it to milk them for as much as possible.
After we get all of the retirement accounts where I want them, I might move to a different local bank.
 
I have just changed my CIP to a CIC to avoid an annual fee. Now I need to figure out the bast way to use this card. I will also product change another card to a CIU when that annual fee comes due leaving me with no UR earning cars, at which point DH will refer me to a CSP for the bonus and so I have at least one card open to keep my points redemption when necessary.
I have done well with my CIC when Staples has their fee-free vgc's. I'll then use them to pay for things that I get less than 5% with other cards.
 
Decided to do some CC spring cleaning over the last few days.....have closed Barclays JetBlue Biz (finally rid of that horrible website), Chase Bonvoy Boundless and Amex Gold. That last one was the only tough decision but at $250, I'm not feeling the love for it that I used to - especially as I rarely use the dining benefit.

The plan for May was to apply for a CIU, but given the current environment around sole prop apps, decided to forego that option and instead received instant approval for a new CSP. :thumbsup2

My remaining decision for this month is whether to keep my CIP which will incur the AF imminently. I was thinking of canceling but then @SouthFayetteFan gave me second thoughts with his 'chat' a couple weeks ago. Still thinking this through.
PC it to a CIC, I think that's an easy decision
 
DISchurners SUPPORT LINK UPDATE
Please immediately remove all CIP and CIU links from the Chase thread. I will give a week to complete this and then will remove any comments not in compliance. Since those links no longer work, we need to keep things cleaned up for anybody paying it forward via a support link.

This isn't really a loss, considering the odds of approval were almost 0% at this point for all of us. The loss occurred over a month ago when Chase implemented more rigorous approval conditions on business cards. IF you haven't read my fireside chat on this I'd recommend you read here:

https://www.disboards.com/threads/i...t-page-for-addl-details.3784063/post-61855486
 
Our CIP and CIU support links on reddit are no longer working ...
Thanks for sharing - I tagged this in the news thread. I'll also report that once again no CIP clicks went pending this week despite other Chase points going pending. I'm now up to 6 or 7 Tuesdays with a missing Cross Support click... So I don't think I'm getting those points.
 
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