I love credit cards so much! v6.0 - 2023 (see first page for add'l details)

[georgina]

It shows the next closing date as February 7.

Is the balance still zero? Not sure they issue a statement if there is nothing on it. Looking back at my history shows some months without a statement listed.

 

[lsutigers03]

Is the balance still zero? Not sure they issue a statement if there is nothing on it.

It has a balance. I asked via SM but haven't heard back yet. It isn't a huge deal I just find it odd.

 

[georgina]

Weird. Curious what they will tell you then.

 

[LynnTH]

OMG! I am out of AMEX pop-up denials!! Finally got approved for the AMEX Plat Biz Card. I kept seeing offers for 120,000 MR's but knew there were better ones. Had to pull up link incognito a bunch of times, but finally got one for 150,000 MR's. Wasn't expecting to actually be approved but I was...

So, Now I have to figure out all the benefits of this card. I just enrolled in the Dell credits. I still have to pick an airline for the Airline Credits - any suggestions here. Already get free bags with SW and Delta. Anything other big that I am missing? I have PP with Cap One - is this pretty much the same, since the Centurion Lounges don't count anymore.

 

[lsutigers03]

OMG! I am out of AMEX pop-up denials!! Finally got approved for the AMEX Plat Biz Card. I kept seeing offers for 120,000 MR's but knew there were better ones. Had to pull up link incognito a bunch of times, but finally got one for 150,000 MR's. Wasn't expecting to actually be approved but I was...

So, Now I have to figure out all the benefits of this card. I just enrolled in the Dell credits. I still have to pick an airline for the Airline Credits - any suggestions here. Already get free bags with SW and Delta. Anything other big that I am missing? I have PP with Cap One - is this pretty much the same, since the Centurion Lounges don't count anymore.

Congrats. I'm hoping to be approved for the same offer in the next couple months.

 

[TheOneWithTheTriplets]

I haven't decided if I should do the credit card game. I always forget to use the 5% categories on my Freedom card.

We keep a shared note that outlines which category spend we have above 2% on other cards (gas, grocery, pharmacy, dining, office supply, quarterly freedom) and then use the active cash for everything else when we aren't working towards a spend.

That said, if you know you'll likely be forgetful about when to use which card, this is a good base at 2%, rather than using one of your other cards where the bottom is only 1%. It all depends on how much mental energy you want to commit.

 

[palhockeymomof2]

It shows the next closing date as February 7.

Odd…the only time I don’t have a statement issued is if the balance is 0 on the closing date

 

[mom2febgirls]

So, Now I have to figure out all the benefits of this card. I just enrolled in the Dell credits. I still have to pick an airline for the Airline Credits - any suggestions here. Already get free bags with SW and Delta. Anything other big that I am missing? I have PP with Cap One - is this pretty much the same, since the Centurion Lounges don't count anymore.

I'm not an expert, but I picked SW and bought an under $100 ticket to somewhere. Then I used the remaining $100 to change the ticket to one I really wanted.

 

[LynnTH]

I'm not an expert, but I picked SW and bought an under $100 ticket to somewhere. Then I used the remaining $100 to change the ticket to one I really wanted.

I think I will pick SW as I see it would cover Early Bird Check In Fees. That will cover the 4 of us to get EB Check in on our flights to Disney and Back in August.

 

[newski_mom]

I did a mobile deposit. Wrote a check from my main checking, and deposited with my phone

This is from a couple of weeks ago, but it's on the Chase $900 bonus for checking and savings. My mobile deposit limit is $7,500 for each checking and savings. Do you think it would work to deposit $7,500 in each and then transfer from checking to savings to meet the $15,000 requirement?

My other options are to try an ATM deposit or drive an hour to the closest branch location.

I'd love it if option 1 above would work!

 

[DogCat]

This is from a couple of weeks ago, but it's on the Chase $900 bonus for checking and savings. My mobile deposit limit is $7,500 for each checking and savings. Do you think it would work to deposit $7,500 in each and then transfer from checking to savings to meet the $15,000 requirement?

My other options are to try an ATM deposit or drive an hour to the closest branch location.

I'd love it if option 1 above would work!

I am not certain but I don't think it will count if you first put the funds in checking. I was afraid to try that so I moved money to a different bank and then pushed it to Chase with ACH transactions. I used two different banks plus the $7500 mobile check deposits to accomplish the full 15K. Now I'm just waiting lol. My checking bonus posted very quickly with a DD from my employer.

 

[FreeDiningFanatic]

This is from a couple of weeks ago, but it's on the Chase $900 bonus for checking and savings. My mobile deposit limit is $7,500 for each checking and savings. Do you think it would work to deposit $7,500 in each and then transfer from checking to savings to meet the $15,000 requirement?

My other options are to try an ATM deposit or drive an hour to the closest branch location.

I'd love it if option 1 above would work!

Agreed with @DogCat . Here's the terminology: I think the "new money" section is what would prohibit this from working.

1Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account.

2The new money cannot be funds held by you at Chase or its affiliates.

 

[FreeDiningFanatic]

OMG! I am out of AMEX pop-up denials!! Finally got approved for the AMEX Plat Biz Card. I kept seeing offers for 120,000 MR's but knew there were better ones. Had to pull up link incognito a bunch of times, but finally got one for 150,000 MR's. Wasn't expecting to actually be approved but I was...

So, Now I have to figure out all the benefits of this card. I just enrolled in the Dell credits. I still have to pick an airline for the Airline Credits - any suggestions here. Already get free bags with SW and Delta. Anything other big that I am missing? I have PP with Cap One - is this pretty much the same, since the Centurion Lounges don't count anymore.

There's also the Clear credit, global entry/TSA and $10/mo wireless credit. There's also Indeed and Adobe credits, but I haven't messed with those.

I agree with making SW your airline and then using the hack to build up to $200 in travel credits.

Don't forget to activate everything first from the benefits page, like you did with the Dell credits.

 

[DogCat]

I am thinking about my next card app and I am wondering what is a good strategy for lowering and keeping your chase CLs reduced. I think you need 10K on your CSR, but I don't know if there's any lower limit on the other personal and/or biz cards. I imagine for people with a lot of cards, you have to lower them quite a lot. Lately, my card collection is growing so I need to lower some but I don't want to make a wrong move.

 

[LynnTH]

There's also the Clear credit, global entry/TSA and $10/mo wireless credit. There's also Indeed and Adobe credits, but I haven't messed with those.

I agree with making SW your airline and then using the hack to build up to $200 in travel credits.

Don't forget to activate everything first from the benefits page, like you did with the Dell credits.

Not sure I would use Clear. We all have Global Entry but they expire November 2024, so I believe we can reapply a year early. So, will use that for 1 of the slots. Unfortunately, can't use the Wireless Credits. Our phones are through DH's work as his is paid for and our phones are added to the plan. So, we just pay his work every month. Also, wouldn't use Indeed or Adobe. Probably just the Airline and Dell credits then...

 

[becauseimnew]

Not sure I would use Clear. We all have Global Entry but they expire November 2024, so I believe we can reapply a year early. So, will use that for 1 of the slots. Unfortunately, can't use the Wireless Credits. Our phones are through DH's work as his is paid for and our phones are added to the plan. So, we just pay his work every month. Also, wouldn't use Indeed or Adobe. Probably just the Airline and Dell credits then...

We got Clear just because the spend counts toward MSR and Clear tends to have promotions, we got it when they had $75 Uber credits promotion, ended making $150 between DH and I. Also, they walk you to the front of the pre-check line.

 

[becauseimnew]

I just submitted my Global Entry renewal, I can't believe I've been churning for over 5 years.

 

[iujen94]

Two Questions:
1. On the AMEX Biz Checking Promo for 60,000 MR's. It shows all 3 steps have been completed. Still waiting on the MR's to post. Is it OK to transfer the $ out of that account now?

2. Has anyone's Caesars Diamond match with Wyndham posted yet? Mine still shows gold. Matched on 2/1. I go to Vegas in 2 weeks so getting nervous.

Still waiting. Also submitted 2/1. Submitted the match request twice and sent an email follow up a couple days ago.

 

[iujen94]

Will do. I just sent an email to them also. Hoping that will help things along. Not sure if I can match when in Vegas or not.

In another group I’m in, someone said they won’t match in person and were told Caesars had to wait on Wyndham. Who knows how accurate any of that is

 

[iujen94]

OMG! I am out of AMEX pop-up denials!! Finally got approved for the AMEX Plat Biz Card. I kept seeing offers for 120,000 MR's but knew there were better ones. Had to pull up link incognito a bunch of times, but finally got one for 150,000 MR's. Wasn't expecting to actually be approved but I was...

So, Now I have to figure out all the benefits of this card. I just enrolled in the Dell credits. I still have to pick an airline for the Airline Credits - any suggestions here. Already get free bags with SW and Delta. Anything other big that I am missing? I have PP with Cap One - is this pretty much the same, since the Centurion Lounges don't count anymore.

When you pick your airline for airline incidental credits, remember that’s also the airline that gets the 35% refund on flights booked with MRs. I’ve found this super valuable for booking AA flights - we can’t ever seem to collect enough AA miles.