I love credit cards so much! v2.0 (see first page for add'l details)

wanderlust7 said:

All this talk about MBs today has me thinking again about planning a trip to WDW. Keep trying to pencil it in somewhere, but too many places, too little time. Though mostly it's because we're tied to the school schedule and it just seems like there are no good choices. So - which would you say is the least worst in terms of crowds?

Thanksgiving week
Christmas week
New Year's week
Spring break - week before Easter
First week of June

I suspect it's first week of June, but that doesn't work well with our other travel plans. Second least worst too, please.

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elgerber said:

My points have always posted a couple days after making a spend but I have been waiting weeks with no points and I hate to just keep waiting. My deadline to meet the MSR is in 3 weeks.

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GZanta77 said:

I am in a similar position waiting for my Delta miles......did you figure out what they may have disallowed?

So far my interactions with Amex on this....

Online Chat #1 - Yes, I can see the welcome offer on your account - you have to allow 6-8 weeks for the miles to post.
Phone Call #1 - Yes, the offer is on the account but you haven't met the required spend yet. (30 secs later)...Oh it looks like you have met the spend. Hopefully the bonus miles will post with your May statement.
Chat #2 - I'm sorry sir, there is no welcome offer attached to your account.
Call #2 - Yes I see the welcome offer, and can see you have met the required spend. I don't know why the miles have not posted and unfortunately, we cannot create a case to look into this as we have until your June statement to award them to your account.

And so the wait goes on.........

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mmmears said:

You really do notice a lot of things (as in Burlingame south for VV). I have to say that's impressive. My DH deals with the CC bills (and other bills) for me, but I have to do the shopping part (and remembering which card to use). All 3 of us have a bunch of VV stuff, none of it from Target, but it's all their more muted items and all were bought with deals, sales, etc. I find that if I watch something long enough I can generally get it at a good price. I did make DH try on this crazy pink jacket covered with blue sharks, but that was just so I could take a pic and laugh about it. Their men's performance fabric button down shirts do make packing super easy since they are so thin. He took a bunch of them on our cruise in Europe and they folded down to practically nothing.

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WVMomof3 said:

Definitely start the spreadsheet now. I too said I was going to take things slow, and I probably am one of the more slow "churners" on here. I haven't opened a new card myself since December! So I am way over due. lol I also said I didn't want business cards for a long time. But in the last 2 years between DH and I we have opened 15 cards including 3 Biz cards each. It is so easy to get confused and forget when things happened. Your best bet is to start with a CIP for one and then refer the spouse for the CIP. Depending on when you next travel, the CSP is now a better SUB and can be referred by spouse for more points so would be better than CSR, but if you think you might use the perks of the lounge or the Global Entry credit, than that could push the CSR first. There really is no one size fits all and is dependent on your needs and what you feel comfortable doing. But I promise, the more you stick around here, the more cards you will want! FOMO is real here. Good luck!

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SouthFayetteFan said:

Yes - a spreadsheet is a must

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Ngwira said:

Robert from Mileonomics just returned from Italy so I'm taking a close look at his itinerary and the tours he booked using Chase UR. I know I definitely want to do the Colosseum Underground Tour and the day trip to Pompeii and Amalfi Coast. I also want to do the Roman food tour where you make pasta and pizza with a local. Our Airbnbs in Rome and Venice are booked as well.

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smallsy said:

Auto approved for MDD! Now to make a plan for finishing up this house remodel and knock out those MSRs

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hsmamato2 said:

just verifying..... best place to pool them would be (in order) CSR, then CSP or CIP are equal?

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Lain said:

They also tend to be lower quality. We picked up some Hunter stuff for our kiddo last year and we’re really disappointed by the quality of the boots. And we weren’t the only ones. We found lots of complaints online. Not to mention Target itself ended up delaying then canceling the women’s tall rain boots because of quality control issues.

I think yes, these collaborations are priced about 20-40% lower than the co-brand’s usual pricing, so people go gaga over them because it’s still stamped with that brand’s label and offers different styles that fans of the brand won’t otherwise find. But buying resell is a bit silly because once the eBayers mark up their items you’re paying essentially the same price as buying from the brand name’s line itself, where the quality is usually much higher.

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speedyfishy said:

I need more cards!

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1st*toright said:

New side business for you, Lain- personal shopper! My DH hates shopping with a passion, and its a struggle to get him to pay attention to sales/offers/credit cards because he puts off shopping until the absolute last minute, then decides to buy 5 shirts and 3 pairs of pants all at once because if he's looking, he might as well deal with it all at once. So he pays full retail, then doesn't shop for months (or years!) He gets cranky if I try to get involved because he hates looking at/thinking about clothes, so I generally don't find out that he's been shopping until after he has placed the order. He will also find something on sale, but not actually make the purchase, and then is surprised when he goes back and finds that it is back to full price

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mmmears said:

Is this Colorado? DD and her college buddies are heading there at the end of this week (because graduation was a few days ago and they miss each other already ). If it's that snowy she may have some problems since most of her stuff is boxed and waiting for UPS to actually ship it home (they picked it up last Friday, but this morning we called and they said "oh yeah, we are thinking about mailing it out today" ). This stuff is never easy.

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Lain said:

Just FYI, Amex may not be the best cards to get to put driveway spend on. How do you plan to pay for your driveway with your new Amex MSR? Plastiq's terms for what's an allowable payment on an Amex is rather limited, and does not allow for payments to contractors. Amex's terms give them discretion to deny points and bonuses for P2P payments like PayPal or Venmo. If you can pay for the supplies with a credit card, that might work.

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SouthFayetteFan said:

Make sure you read about the Multiple CIP loophole. You probably could've been better off getting another CIP vs. the CIU but what's done is done



AA Biz cards...both Citi and Barclays! And maybe come back to Chase in June or even better July.

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DisneyMandC said:

I think I got an updated privacy policy notice recently because I remembered thinking the same thing when I saw it in informed delivery. Also, bizarrely, I got a letter from Chase about something asinine on DH's account that said when they tried to email it to him, the email bounced back... it's the same email on both personal and business accounts and we only got the mailed letter on one account

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Lain said:

Haha. I confess I had no idea what VV was until maybe 2 years ago, and first thought it referred to a wine label or wine club. Once you know, you start noticing it everywhere. It really is a can’t miss preppy leisurely style. I don’t see it much here in the city. I tried hard to think if I see it around in the Marina, but even there the style has moved over to athleisure brands, that whole I just came from my yoga class but not really look. Oh, and Rothy’s shoes. Everywhere. My wife has 6 pairs.

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amalone1013 said:

#howifeel

Need to woman up and apply for an AMEX card to see if we get pop ups.


My DH is similar, except he doesn't typically go alone. Since he is usually looking for the exact same style and sizing, I now have him mostly trained to tell me he needs pants so I can look for a sale. He still waits til almost the last minute on it though. Also with shoes. He found a pair he likes from Eddie Bauer, and said he wanted to get another pair when they wore out. So Thanksgiving weekend they had a good online sale, plus I bought a GC from Kroger online with my CIP (3x URs and 4xFPs). He didn't wear them until our trip a few weeks ago even though at the time I said hey, they're on sale and he said yeah, the current ones are getting worn out

Him buying dress clothes is the worst. He won't go alone, and also his neck size doesn't really match up with the torso sizing, so he has to go up so we look for the slim fit shirts. And then he gets all weird about the colors. Too light. Too dark. Shopping for a wedding shirt, he wanted blue. "That one is like frat boy blue. That one is like first engineering job blue." THOSE ARE NOT REAL COLORS!!

Yup. It's supposed to be back in the 70s by the weekend.

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cajunmommy said:

Slow & steady - that's definitely me! I'm a victim of analysis paralysis, but hopefully the spreadsheet will break that hold.
FOMO is an understatement. I don't see us hitting 15 cards in two years, but never say never, right?!?

I knew I'd get solid information & thoughtful encouragement here, then I saw this ^^. Just another reason why I love this place!

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speedyfishy said:

Well I went for the Gold card for SO. He was approved. By the time this card gets here I hope I maxed my Gold card.

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Psychodisney said:

Choo Choo

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DrFacilier said:

I am looking for a decent hotel close to JFK. We just need a place to sleep upon our return from Spain in a few weeks. Any suggestions? We won’t spend a lot of time there but would like a place that is clean and has decent service without wasting my precious points. I would like to use URs or transfer to partners.

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Lain said:

The TWA Hotel at JFK? Can't get much closer to JFK, and I would totally cash out some URs to stay here!

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