I love credit cards so much! v4.0 - 2021 (see first page for add'l details)

[becauseimnew]

On track to MDD the sapphire cards next week, hoping to see the increased support links soon.

downgraded CSR to CFU yesterday. Sent SMs to lower credit lines on CFU and Hyatt cards.

Fingers crossed all goes as planned and DH is auto approved for both.

 

[FreeDiningFanatic]

If DH is working on a MSR on his new Platinum and has 10X at grocery stores, what are the gift card restrictions to prevent the RAT? I want to buy some Disney gift cards to pay for tickets. Also, Platinum has a paypal credit, I believe. Can I use that for a portion of the tickets?

This is just my experience, hopefully others can share what draws the RAT. I didn't spend ANY money on gift cards until after I'd met the MSR. Then after meeting MSR, I would add gift cards to my grocery shopping ($200 each time). I shopped at Meijer which qualified as a grocery store, and often had a $5 coupon for every $50 in gc. I bought $3500 in gcs over 16-18 weeks, which is about $200 per week.

You can check out with Target online with paypal. Target sells DGC, so that may be a way to spend your paypal credit, though I haven't tried it.

 

[DCLMP]

I apologize for the brief answer, but in your situation I would look at the Chase Sapphire Preferred or the AMEX Platinum Card. Sapphire Preferred has an all time high 100k sign up bonus right now. The Platinum card also has an amazing offer right now. You may be able to use card match, or AMEX’s prequalified tool to pull up the 125k MR offer for their personal platinum.

I think it was you I told I would update about the aviator card. If not I hope it helps whoever I did tell. I just received my bonus on the second aviatercard. It was 2 years between cards. I will try for the business card this Fall when it hits the two year mark.

It looks like I’ll be cancelling my Japan trip this Fall. But I’m feeling optimistic about 2022. I think it’s going to be a good travel year.

 

[afan]

This is just my experience, hopefully others can share what draws the RAT. I didn't spend ANY money on gift cards until after I'd met the MSR. Then after meeting MSR, I would add gift cards to my grocery shopping ($200 each time). I shopped at Meijer which qualified as a grocery store, and often had a $5 coupon for every $50 in gc. I bought $3500 in gcs over 16-18 weeks, which is about $200 per week.

You can check out with Target online with paypal. Target sells DGC, so that may be a way to spend your paypal credit, though I haven't tried it.

PayPal for dgc via target works. At least so far...

 

[punkin]

This is just my experience, hopefully others can share what draws the RAT. I didn't spend ANY money on gift cards until after I'd met the MSR. Then after meeting MSR, I would add gift cards to my grocery shopping ($200 each time). I shopped at Meijer which qualified as a grocery store, and often had a $5 coupon for every $50 in gc. I bought $3500 in gcs over 16-18 weeks, which is about $200 per week.

You can check out with Target online with paypal. Target sells DGC, so that may be a way to spend your paypal credit, though I haven't tried it.

Disney has paypal as a direct purchase option, so I was just going to do that. I was thinking of getting disney cards at the Giant for 10X points for grocery purchases

 

[IFlossU]

I think it was you I told I would update about the aviator card. If not I hope it helps whoever I did tell. I just received my bonus on the second aviatercard. It was 2 years between cards. I will try for the business card this Fall when it hits the two year mark.

It looks like I’ll be cancelling my Japan trip this Fall. But I’m feeling optimistic about 2022. I think it’s going to be a good travel year.

Yes, I really appreciate you letting me know. I received my 1st Aviator bonus in Oct ‘19. I figure I’ll wait until after October ‘21 to apply again. That way I’m a solid 2 years out from last bonus. And definitely let me know how it goes with the Biz card. I’m planning to cancel my first one here shortly.

 

[Duckbug.Ducktales]

Hi folks! If I'm an AU on DH's SW Priority card, am I ineligible for any SW personal card SUB?

 

[becauseimnew]

Hi folks! If I'm an AU on DH's SW Priority card, am I ineligible for any SW personal card SUB?

Yup.

 

[Judique]

No, if you haven't had the SW card you intend to apply for in 2 years, you can get it. And being an AU doesn't stop you, it just adds to your 5/24 count if it's in the 2 year period. If your AU is older than 2 years, it has little effect.

And, this doesn't apply to all Chase cards, just mostly the cobranded cards like SW, Marriott, etc.

 

[Duckbug.Ducktales]

No, if you haven't had the SW card you intend to apply for in 2 years, you can get it. And being an AU doesn't stop you, it just adds to your 5/24 count if it's in the 2 year period. If your AU is older than 2 years, it has little effect.

And, this doesn't apply to all Chase cards, just mostly the cobranded cards like SW, Marriott, etc.

The AU was indeed over 24 months ago. So it sounds like it doesn't affect me anymore. Do I need to get out of the card, though? One thing that confuses me is that DH upgraded the card to Priority in April for the meager upgrade bonus they offered, sigh... so technically I've had two kinds of SW personal cards, but the original SUB and AU was all over two years ago.

 

[Judique]

The AU was indeed over 24 months ago. So it sounds like it doesn't affect me anymore. Do I need to get out of the card, though? One thing that confuses me is that DH upgraded the card to Priority in April for the meager upgrade bonus they offered, sigh... so technically I've had two kinds of SW personal cards, but the original SUB and AU was all over two years ago.

Unless you are app'ing for the actual Priority card, I'm pretty sure you can keep the AU card.

*I've been known to be wrong about this stuff, so, if by chance they deny your card app, you can always call and have your AU removed. It wasn't your original bonus or your upgrade bonus, and it seems getting the bonus is the point of whether you are eligible.

In future, it's easier not to be an authorized user.

And, I went and looked at the 65K sub on all the cards - tempting!

 

[stitchfan18]

CSR car rental coverage question: I made a reservation last fall with UR points for a car rental in a few weeks, and just realized I made the reservation in DHs name instead of mine. Since the CSR is in my name, does that mean we are out of luck using the CSR coverage? Google searching suggests I may need to cancel the reservation and rebook in my name, but prices are 4x more expensive than when we booked. I know AU are frowned upon, but he’s well under 5/24, so would that be a possible work around to avoid having to pay for coverage from Budget? I think we’ve rented a car twice since we’ve been married, so we’re in pretty unfamiliar territory when it comes to knowing the ins and outs of car rentals.

 

[DCLMP]

Yes, I really appreciate you letting me know. I received my 1st Aviator bonus in Oct ‘19. I figure I’ll wait until after October ‘21 to apply again. That way I’m a solid 2 years out from last bonus. And definitely let me know how it goes with the Biz card. I’m planning to cancel my first one here shortly.

I also got my second Amex platinum with the 100k bonus. Got a mailer with no lifetime language.
Now I just need to figure what I’m doing next Summer.

 

[Judique]

I also got my second Amex platinum with the 100k bonus. Got a mailer with no lifetime language.
Now I just need to figure what I’m doing next Summer.

With all those MR's, probably anything you want!

 

[IFlossU]

I also got my second Amex platinum with the 100k bonus. Got a mailer with no lifetime language.
Now I just need to figure what I’m doing next Summer.

That’s incredible! I swear I get jealous reading about all these NLL Amex offers people seem to keep getting.

I follow along over on the DCL forum. Hopefully you’ll get to cruise

 

[palhockeymomof2]

CSR car rental coverage question: I made a reservation last fall with UR points for a car rental in a few weeks, and just realized I made the reservation in DHs name instead of mine. Since the CSR is in my name, does that mean we are out of luck using the CSR coverage? Google searching suggests I may need to cancel the reservation and rebook in my name, but prices are 4x more expensive than when we booked. I know AU are frowned upon, but he’s well under 5/24, so would that be a possible work around to avoid having to pay for coverage from Budget? I think we’ve rented a car twice since we’ve been married, so we’re in pretty unfamiliar territory when it comes to knowing the ins and outs of car rentals.

2 years ago I did the same thing...reservation in DHs name and Avis wouldn’t take the CSR with my name on it for payment. Don’t know if another rep would of.
on the CSR an AU card has the $75 fee
Can you add yourself as an additional driver ? Maybe they would take your CC then

 

[ski_mom]

In case anyone has a top golf account, they’re also running a daily sweepstakes contest on their app until June 23. We’ve been there a few times and it’s a lot of fun. The kids and I had planned to go sometime this summer so hopefully I can get a hefty discount on our visit.

Thanks! I signed up for an account to play and got 15% off game play. We've never been, but have been talking about it, so hopefully we can check it out before the coupon expires.

 

[stitchfan18]

2 years ago I did the same thing...reservation in DHs name and Avis wouldn’t take the CSR with my name on it for payment. Don’t know if another rep would of.
on the CSR an AU card has the $75 fee
Can you add yourself as an additional driver ? Maybe they would take your CC then

I ended up chatting Budget and they were able to change it to my name. I called the chase travel line first and they told me it wouldn’t be an issue. I’m glad I double checked with Budget before taking the Chase travel agents word on it.

 

[Alexle2007]

Anyone know where I can locate my Budget FastBreak #?

ETA: Found it! Just saved $125 on our rental for next week.

 

[CookieandOatmeal]

Now that I got P2 interested in getting the CSP, he’s itching to apply. C’mon support link...let’s go!