I love credit cards so much! v5.0 - 2022 (see first page for add'l details)

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I forgot for chase business cards it’s no more than one every three months. I need to make an $8k tax payment by 4/15 and another one by 6/15. Should I just go for a cip? Or cic and something else? I’ve kind of run out of Amex cards to apply for.
 
Which proctored rapid COVID tests are people using for returning to the US? We have the opportunity to go to Vienna next week (!!!) to visit dd who is studying there this semester, and I'm trying to figure out the smaller details (have flights, hotel figured out). How quickly have you received them in the mail?

We would have the opportunity for free regular tests in Vienna with a (usually less than) 24 hour turn around or having rapid tests done at the airport. I think I'd rather take a rapid test while still at the hotel, just for peace of mind.

We used the emed ones for our last cruise. Very easy. You need to order online. They do usually ship rather quickly.
 
I forgot for chase business cards it’s no more than one every three months. I need to make an $8k tax payment by 4/15 and another one by 6/15. Should I just go for a cip? Or cic and something else? I’ve kind of run out of Amex cards to apply for.
what has your Chase velocity been the last 12 months? I think it is safe to get 4 Chase cards in 12 months, maybe 5.
 
I forgot for chase business cards it’s no more than one every three months. I need to make an $8k tax payment by 4/15 and another one by 6/15. Should I just go for a cip? Or cic and something else? I’ve kind of run out of Amex cards to apply for.
what has your Chase velocity been the last 12 months? I think it is safe to get 4 Chase cards in 12 months, maybe 5.
I second this. If your Chase velocity has been reasonable I would get 1 card (CIC/CIU) right now and another 1 at the end of May. I did something similar for DH and he was instantly approved for both. He’s had 3 Biz cards in a year.
 
Hey Y’all!
Long time no “see”!! it’s been 3 years since my last Disney trip and i’m so excited to be planning a trip with my new husband and bonus son :)

Quick question since y’all are the best at these things! We have the AMEX Delta skymiles card with 250K miles on it.
We plan on using points on airfare but was wondering if there is a loophole to use them any other way? ie: hotel, tickets, GCs, etc.

I did see the Delta vacations packages but the reviews are horrible and we are not able to upgrade to comfort+ or pick our seats if we go that route. Unfortunately, My husband doesn’t want to open any new credit cards for a while. :(

Thanks for the advice in advance!
 
Just got back yesterday from an impulsive trip to Amsterdam. I was searching the internet for the best use of 35k Marriott FNCs and came across the Sir Albert, a Design Hotel. I never thought that there would be last-minute availability for points, but I checked and there were 3 nights open for last week. Found a nearby hotel, the Apollo, that had 2 nights. Checked Air Canada for points seats and they had openings in biz class both ways. Looked at weather forecast and it was predicted to be high 50s / low 60s and sunny for the entire week. It looked like it was meant to be. On the 18th I booked flights leaving the 20th, coming back the 28th. I was able to get the 21, 23 and 27th at the Sir Albert using 3 FNCs; used 2 FNCs at the Apollo (a 7 min walk away). I booked the 22nd with my CSP to use the $50 hotel credit and the 26th with cash. Seemed like an amazing use of the certificates!

Arrived at the hotel around 11:30am on the 21st with a really, really bad headache because (I think) I wasn't able to sleep on the plane. Luckily the room was ready and I was upgraded from a basic room to a 'deluxe' (a bit larger). The room, while cozy, was all that I needed. Hotel was clean and very well-located (a 2 min walk from the subway and right in the heart of DePijp, an amazing area full of boutiques and excellent restaurants).

On Tuesday night I checked to see if Sir Albert had the 24th and 25th open on points (so I wouldn't have to move) and lo and behold they did. I quickly cancelled the Apollo and booked the Sir Albert using 2 FNCs. I was thrilled that I didn't have to move hotels.

The hotel did have a few hiccups. Light in my shower was out for 3 days. Wouldn't have been a big deal if the shower wasn't a black box (with black door and black floor). Pretty treacherous with no light. On the second day the front desk staff informed me that I'd have to move to a different room and then to another room the following night. I begged and pleaded to stay in the same room, they said they'd "look into it"; e-mailed me later in the day to say that I could stay in my room. Seemed unnecessary since I had called before I left home to make sure the reservations were linked and asked again when I checked in and was assured both times that I would be able to stay in the same room. Light bulb on desk lamp went out -- e-mailed to have it fixed while I was out for the day. Yet upon return it was still out. The duvet was synthetic -- I asked that it be switched to down or cotton, was assured that it would be. Yet it wasn't. Front desk sent up housekeeping who arrived at the door to hand me a new duvet (still had to be put into cover) so that I could make the switch -- umm, I would have if I didn't hate trying to fit a duvet into a duvet cover. She said that she was only advised to bring a new duvet to the room and not that she would have to strip the bed and re-make it (not sure if they expected me to do this, but it was late and I had been assured at 8am that morning that it would be done before I got back to the hotel). Housekeeping kept turning the heat on in the room despite me asking over and over to leave the heat off. These issues alone wouldn't stop me from returning to the property, but the small mistakes kept coming. I sent 2 e-mails to the front desk to be printed (my Antigen test and a receipt required for my VAT return); they only printed 1. Internet Friday and Saturday night, when the hotel was full, was slow -- I was having difficulty watching a show on my iPad (kept pausing / stopping until I finally used the hotspot on my phone)

But perhaps the biggest mistake is that when I logged into my account this morning I found that they had taken points and FNCs for 2 nights. I didn't even know that this could happen. I immediately called Marriott and spoke to a very rude CSR who told me that she can't change points reservations to certificates after the stay. I told her that I used the FNCs to make the reservation, yet points were taken. I checked my e-mail and I had confirmation that 2 FNCs were supposed to be used. The CSR put me on hold for a half hour while she and a supervisor went over the reservation. She came back and said that they would have to open a case to get the points back. What a PITA. She said the hotel took the FNCs and the points (65,000 points) and they would have to ask the hotel to return the points. This would give me pause to recommend the hotel. Just too many mistakes. It seems like they have some pretty serious communication problems at this property. Such a shame as the facilities are nice and I loved the location. Also since it is a design hotel, no breakfast included for Marriott Platinums. Only benefit was a bottle of water for the entire stay, however I asked and received a bottle of water each day. There was a grocery store around the corner and for the last few days I had granola, yogurt, fruit and tea for breakfast in the room, which I preferred.

I LOVED Amsterdam -- I had the best time. On Thursday I took a high speed train to Brussels and did a chocolate making class in the morning which was excellent. I spent the afternoon wandering through town, then took the subway to the main train station to catch my train back to Amsterdam (got back to the hotel around 9pm -- this was the day that the light bulb and duvet hadn't been changed and I was super tired). So much to do and see in Amsterdam and excellent food. Public transit (subway and trams) get you all over the city quickly and efficiently and is very cost-effective. I plan to go back next year, train to Brussels (spend a night), then take the train to Paris for a few days before flying home.

Sir Albert Room

Sir Albert Room Amsterdam 2022.jpeg

Toilet room on the right, shower door straight ahead
Sir Albert Amsterdam Shower 2022.jpeg

Museum of Contemporary Art (outdoor exhibit)
MOCO Iron Rocking Horse Amsterdam 2022.jpeg

Portguese Synagogue (original as it was built in 1675 and it's gorgeous)
Portguese Synagogue Interior.jpeg

Pralines from Brussels chocolate-making workshop

Brussels handmade pralines 2022.jpeg

Keukenhof Gardens

Keukenhof Gardens Japanese cherry blossoms.jpeg

Early morning light on one of the canals

Early morning light on the canal Amsterdam 2022.jpeg
 
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Just got back yesterday from an impulsive trip to Amsterdam. I was searching the internet for the best use of 35k Marriott FNCs and came across the Sir Albert, a Design Hotel. I never thought that there would be last-minute availability for points, but I checked and there were 3 nights open for last week. Found a nearby hotel, the Apollo, that had 2 nights. Checked Air Canada for points seats and they had openings in biz class both ways. Looked at weather forecast and it was predicted to be high 50s / low 60s and sunny for the entire week. It looked like it was meant to be. On the 18th I booked flights leaving the 20th, coming back the 28th. I was able to get the 21, 23 and 27th at the Sir Albert using 3 FNCs; used 2 FNCs at the Apollo (a 7 min walk away). I booked the 22nd with my CSP to use the $50 hotel credit and the 26th with cash. Seemed like an amazing use of the certificates!

Arrived at the hotel around 11:30am on the 21st with a really, really bad headache because (I think) I wasn't able to sleep on the plane. Luckily the room was ready and I was upgraded from a basic room to a 'deluxe' (a bit larger). The room, while cozy, was all that I needed. Hotel was clean and very well-located (a 2 min walk from the subway and right in the heart of DePijp, an amazing area full of boutiques and excellent restaurants).

On Tuesday night I checked to see if Sir Albert had the 24th and 25th open on points (so I wouldn't have to move) and lo and behold they did. I quickly cancelled the Apollo and booked the Sir Albert using 2 FNCs. I was thrilled that I didn't have to move hotels.

The hotel did have a few hiccups. Light in my shower was out for 3 days. Wouldn't have been a big deal if the shower wasn't a black box (with black door and black floor). Pretty treacherous with no light. On the second day the front desk staff informed me that I'd have to move to a different room and then to another room the following night. I begged and pleaded to stay in the same room, they said they'd "look into it"; e-mailed me later in the day to say that I could stay in my room. Seemed unnecessary since I had called before I left home to make sure the reservations were linked and asked again when I checked in and was assured both times that I would be able to stay in the same room. Light bulb on desk lamp went out -- e-mailed to have it fixed while I was out for the day. Yet upon return it was still out. The duvet was synthetic -- I asked that it be switched to down or cotton, was assured that it would be. Yet it wasn't. Front desk sent up housekeeping who arrived at the door to hand me a new duvet (still had to be put into cover) so that I could make the switch -- umm, I would have if I didn't hate trying to fit a duvet into a duvet cover. She said that she was only advised to bring a new duvet to the room and not that she would have to strip the bed and re-make it (not sure if they expected me to do this, but it was late and I had been assured at 8am that morning that it would be done before I got back to the hotel). Housekeeping kept turning the heat on in the room despite me asking over and over to leave the heat off. These issues alone wouldn't stop me from returning to the property, but the small mistakes kept coming. I sent 2 e-mails to the front desk to be printed (my Antigen test and a receipt required for my VAT return); they only printed 1. Internet Friday and Saturday night, when the hotel was full, was slow -- I was having difficulty watching a show on my iPad (kept pausing / stopping until I finally used the hotspot on my phone)

But perhaps the biggest mistake is that when I logged into my account this morning I found that they had taken points and FNCs for 2 nights. I didn't even know that this could happen. I immediately called Marriott and spoke to a very rude CSR who told me that she can't change points reservations to certificates after the stay. I told her that I used the FNCs to make the reservation, yet points were taken. I checked my e-mail and I had confirmation that 2 FNCs were supposed to be used. The CSR put me on hold for a half hour while she and a supervisor went over the reservation. She came back and said that they would have to open a case to get the points back. What a PITA. She said the hotel took the FNCs and the points (65,000 points) and they would have to ask the hotel to return the points. This would give me pause to recommend the hotel. Just too many mistakes. It seems like they have some pretty serious communication problems at this property. Such a shame as the facilities are nice and I loved the location. Also since it is a design hotel, no breakfast included for Marriott Platinums. Only benefit was a bottle of water for the entire stay, however I asked and received a bottle of water each day. There was a grocery store around the corner and for the last few days I had granola, yogurt, fruit and tea for breakfast in the room, which I preferred.

I LOVED Amsterdam -- I had the best time. On Thursday I took a high speed train to Brussels and did a chocolate making class in the morning which was excellent. I spent the afternoon wandering through town, then took the subway to the main train station to catch my train back to Amsterdam (got back to the hotel around 9pm -- this was the day that the light bulb and duvet hadn't been changed and I was super tired). So much to do and see in Amsterdam and excellent food. Public transit (subway and trams) get you all over the city quickly and efficiently and is very cost-effective. I plan to go back next year, train to Brussels (spend a night), then take the train to Paris for a few days before flying home.

Sir Albert Room

View attachment 658474

Toilet room on the right, shower door straight ahead
View attachment 658476

Museum of Contemporary Art (outdoor exhibit)
View attachment 658477

Portguese Synagogue (original as it was built in 1675 and it's gorgeous)
View attachment 658480

Pralines from Brussels chocolate-making workshop

View attachment 658482

Keukenhof Gardens

View attachment 658483

Early morning light on one of the canals

View attachment 658484

Wish I can pick 2 reactions lol. 😲 for the issues, especially essentially double charging you! 😍 for the impromptu trip and photos!
 
Which proctored rapid COVID tests are people using for returning to the US? We have the opportunity to go to Vienna next week (!!!) to visit dd who is studying there this semester, and I'm trying to figure out the smaller details (have flights, hotel figured out). How quickly have you received them in the mail?

We would have the opportunity for free regular tests in Vienna with a (usually less than) 24 hour turn around or having rapid tests done at the airport. I think I'd rather take a rapid test while still at the hotel, just for peace of mind.
We have been using the Abbott eMed tests. They ship "next day" so I think if you order in the morning you should have them next day, but you know how things go with some of these shipping delays. Have a great trip to see DD!
 
SO I went to check my flight prices for mid-late May..... with this "sale" the cost is 5k points higher than what I booked last week! (which is 6k higher than what I booked last year) SWA is not what it used to be..... :scared: thanks for the heads up anyway so I could check tho
I got my May RT flights for 11,718 points. When I check the same flights now with the discount they are 26,238 points.
 
Hey Y’all!
Long time no “see”!! it’s been 3 years since my last Disney trip and i’m so excited to be planning a trip with my new husband and bonus son :)

Quick question since y’all are the best at these things! We have the AMEX Delta skymiles card with 250K miles on it.
We plan on using points on airfare but was wondering if there is a loophole to use them any other way? ie: hotel, tickets, GCs, etc.

I did see the Delta vacations packages but the reviews are horrible and we are not able to upgrade to comfort+ or pick our seats if we go that route. Unfortunately, My husband doesn’t want to open any new credit cards for a while. :(

Thanks for the advice in advance!

You can do hotel and car with Delta Vacations. They have Disney hotels. Can also add theme park tickets, but I only see Universal now. They used to have Disney tickets. The miles redeem at 1 cent per point.

You can also Pay with Miles for flights at 1 cent per point. This would be like a cash ticket.

FWIW, my experience with Delta Vacations has been positive. Got in on the 2 cpp promo way back when (pre-pandemic) and have made many changes (booking to voucher to booking to voucher, etc lol). Have had to call them several times. Hold times aren't bad and have gotten what I needed done with no issues.
 
You can do hotel and car with Delta Vacations. They have Disney hotels. Can also add theme park tickets, but I only see Universal now. They used to have Disney tickets. The miles redeem at 1 cent per point.

You can also Pay with Miles for flights at 1 cent per point. This would be like a cash ticket.

FWIW, my experience with Delta Vacations has been positive. Got in on the 2 cpp promo way back when (pre-pandemic) and have made many changes (booking to voucher to booking to voucher, etc lol). Have had to call them several times. Hold times aren't bad and have gotten what I needed done with no issues.
agreed I wait for 2 and 2.5x promos though.
 
Couple of questions:
1. "DH" applied for a CIC and got the we'll get back to you message. He had just gotten the SW Biz card in January, so I hope I didn't rush it too much. Anyway, if he gets approved, it'll show up in his account, right? I keep checking there to look for a new card lol, just hope that works to find out quicker.

2. Citibank Premier card - DH and I currently have the citibank double cash card and the rewards+ cards that we had PCed from citibank premiers back in 2017. I know they have rules about time since closing TY cards, but I just want to be sure we are eligible to apply for TY cards again.

Thanks!
 
Couple of questions:
1. "DH" applied for a CIC and got the we'll get back to you message. He had just gotten the SW Biz card in January, so I hope I didn't rush it too much. Anyway, if he gets approved, it'll show up in his account, right? I keep checking there to look for a new card lol, just hope that works to find out quicker.

2. Citibank Premier card - DH and I currently have the citibank double cash card and the rewards+ cards that we had PCed from citibank premiers back in 2017. I know they have rules about time since closing TY cards, but I just want to be sure we are eligible to apply for TY cards again.

Thanks!

why is "DH" in quotes? lol
1) yes, just wait it out and see. i just did a CIC recently, waited about a day before it showed up in my account.
2) Citibank rules is currently unknown but as long you should be good to go if u PC your premier in 2017. Citi is 2 years. Citi is a bit hard to get into atm though, they like 0/6, there were a few scattered 1/6 and 2/6 but they were pretty rare approvals. good luck though
 
We used the emed ones for our last cruise. Very easy. You need to order online. They do usually ship rather quickly.

We have been using the Abbott eMed tests. They ship "next day" so I think if you order in the morning you should have them next day, but you know how things go with some of these shipping delays. Have a great trip to see DD!
Thanks very much--will order tomorrow!
 
Hmm, all this talk about Chase velocity has me a little worried about applying for a CIC rn. I've gotten 4 Chase cards already in the past 12 months: CSP+CSR in June, then 2 SW Biz cards in Nov and mid Dec. I was going to apply Friday so that at least it'd be April and I already went ahead and got the CLs lowered on the two SW Biz cards. Should I pivot to something else? Or maybe have P2 get the CIC and I'll wait till the summer?
 
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