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

[mom2febgirls]

P2s AMEX Gold AF is coming up. What no fee card can he downgrade to and keep his MRs?

 

[Psychodisney]

I have masked on my last two roundtrips. I had surgery last week, so I knew I needed to not catch covid or a cold. I braved it at the movies but our theaters were pretty empty. We know it is never going away, just need to take precautions as needed.

 

[palhockeymomof2]

SW credit card question. SUB miles posted on my 3/3 to 4/2 statement. After 2 years what date is it safe to apply again? I know to wait to cancel to anniversary points post just trying to figure out timing of applying again.

I’d wait until 2 years after 4/2 to apply

 

[wanderlust7]

P2s AMEX Gold AF is coming up. What no fee card can he downgrade to and keep his MRs?

The only downgrade option is the Green, AF is $150. Downgrading may also lock P2 out of the SUB in the future.

If P2 has any other MR earning card, that will hold the MRs. If not, consider opening the Blue Business Plus. Won't take up a 5/24 spot, no AF, and earns 2x everything. Also consider if you'd keep the Gold for a retention offer. Recent data points I see are 15k or 20k MRs for $2000 spend, 30k for $3000 spend.

 

[spacerangerqueen]

I haven't been on a plane without a mask since 2019. My last two flights both had people hacking up a lung all flight. No thank you.

 

[wanderlust7]

SW credit card question. SUB miles posted on my 3/3 to 4/2 statement. After 2 years what date is it safe to apply again? I know to wait to cancel to anniversary points post just trying to figure out timing of applying again.

You'll need to wait 30 days after you cancel. If you're interested in a CP, might want to wait closer to the end of the year.

Also there is currently an offer on the SW Premier biz where you can get a CP with 1 SUB. But it's high spend and the timing is tricky. You might have to change your statement date. Details

 

[Duckbug.Ducktales]

I haven't been on a plane without a mask since 2019. My last two flights both had people hacking up a lung all flight. No thank you.

Lol, yeah. Same here. I'm not even afraid I'll catch covid specifically, it just makes sense to me in very crowded places to avoid ruining a trip with any respiratory infection.

 

[djmeredith]

All this Covid talk is a good reminder for my upcoming trips. I brought Covid back from my Europe trip at the end of May. My immunity is probably iffy at this 3 month mark. And as PP said, it's not just Covid to watch out for.

 

[Maryrachel713]

Hold my hand? Considering applying for the CIU but it's only supposed to be used for business expenses. Do people just use it for personal expenses if they have a very small business? Especially to meet the minimum spend.

 

[mmmears]

Hold my hand? Considering applying for the CIU but it's only supposed to be used for business expenses. Do people just use it for personal expenses if they have a very small business? Especially to meet the minimum spend.

Never had a problem with this. My "biz" has very few expenses.

 

[IFlossU]

Hold my hand? Considering applying for the CIU but it's only supposed to be used for business expenses. Do people just use it for personal expenses if they have a very small business? Especially to meet the minimum spend.

I use my business cards for all my expenses.

 

[happ]

Hold my hand? Considering applying for the CIU but it's only supposed to be used for business expenses. Do people just use it for personal expenses if they have a very small business? Especially to meet the minimum spend.

It helps to look at it from a broad angle. Since my biz is at home, I consider any expenses related to my home, or my ability to work from home, to be biz expenses. Pretty much (in my mind anyway), it's all related one way or another, even if it's a very small way. Good luck!

 

[georgina]

Hold my hand? Considering applying for the CIU but it's only supposed to be used for business expenses. Do people just use it for personal expenses if they have a very small business? Especially to meet the minimum spend.

It took me a while to jump on the biz card bandwagon for that reason. In the last 4 years I have opened 7 biz cards for the bonuses, still have 3 of them opened. Yep, I use them to pay whatever expenses.

 

[EACarlson]

Business trip in DC. Landed at 11:30, checked into the hotel and went to the Museum of the American Indian, finished there about 2:45, was going to go to the National Archives since I had the time. The Smithsonian closed all the buildings at 3pm for a storm that isn't going to be here until 7. Hopefully I can get there on Thursday before I leave.

 

[georgina]

Business trip in DC. Landed at 11:30, checked into the hotel and went to the Museum of the American Indian, finished there about 2:45, was going to go to the National Archives since I had the time. The Smithsonian closed all the buildings at 3pm for a storm that isn't going to be here until 7. Hopefully I can get there on Thursday before I leave.

Alexandria, VA has cancelled every in-person facility and programming after 4 PM. They are expecting BAD weather. Federal offices closed early. We have a tornado watch until 9 PM. I need to run an errand at 6 PM and am hoping it holds off until then.

Edit - thundering here at 5:25. I am skipping my trip. Opening a beer instead to watch the storm. There was a lot of standing water on the roads with last night's storm.

 

[Mswiza]

I have flown Emirates a few times in first and once in business. 552K is way too many points for business class flights on Emirates. If the goal is simply to fly an A380, I would highly recommend flying Singapore suites. SQ has been by far my favorite experience as far as service. I would choose an SQ A380 flight over EK with the shower any day hands down. Yikes! $3400 in taxes makes BA flights to and from London seem reasonable. Personally, I'd be looking at other options to get to Dubai.

We've been to the Al Maha twice and absolutely enjoyed it. If I had not already been and I had the points, yes I would spend them and still find it worth it. Having been twice, I don't feel the need to return again and am glad I did it before dynamic pricing kicked in for the Al Maha. That said, I could easily see myself doing a couple of nights as a stopover to the Maldives again.

Thanks, I will look into the Singapore suites, it looks like they don’t fly the A380 from any where in the US now so would need to position somewhere.

 

[Duckbug.Ducktales]

Hold my hand? Considering applying for the CIU but it's only supposed to be used for business expenses. Do people just use it for personal expenses if they have a very small business? Especially to meet the minimum spend.

My "biz" of selling our old stuff we don't want anymore on ebay has a lot of expenses lately. One of them is making sure the sole proprietor and spouse take a 2-week vacation in Italy this November. You see, we need to be mentally refreshed for the busy holiday season, during which we'll be selling off old stuff when we inevitable get/are gifted new stuff that replaces the old.

 

[georgina]

I do feel a bit guilty sometimes taking Chase Biz bonuses every 6 months or so (Catholic school guilt!) but I get over it. In addition to the 7 biz cards I have opened, DH has opened 9 in the past 4 years. Referral bonuses on top of sign up ones!

 

[magickingdomprincess]

A bit off topic for credit cards, but is anyone else worried that the disboards are going to be shut down due to the craziness going on with the owner?

 

[afan]

A bit off topic for credit cards, but is anyone else worried that the disboards are going to be shut down due to the craziness going on with the owner?

No and there's enough discussion about all this on the podcast forum for anyone that wants to read. I'd rather keep to churning and trips here.

Also this is a small reason why we have reddit, things can always move there. It's been discussed here before when there was worry but I can't remember why now.