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

[SouthFayetteFan]

Got my first referral. From my dh, lol. It was on the csp, so can someone please remind me how long it takes to get the bonus points?

CONGRATS If he used it today - it may go pending on your CSP on Tuesday next week. Or if it misses this processing run, it may be another week. Then you'll actually get the points when your next statement closes!

 

[SouthFayetteFan]

Wait, you can get a 1099 for credit card points?

This is related to support clicks only. Nothing related to signup bonuses or regular spend.

 

[SouthFayetteFan]

BOOOM!! In other news I resolved my issue with RAISE (This is on the 45 day waiting period on travel cards)

I called them on Wednesday and I got somebody who had no idea what they were doing. They had me email them info and I never heard back (I sense a theme of me never hearing back).

Well today I called and they had me upload my info to a website. They approved my listing while on the phone. I adjusted my listing to be the best deal (3.2% vs. next best at 3.0%) and my card sold in 8 minutes!!!! I got $205.70 for my $250 gift card at an 82%+ payout

Sweet!!! If anybody here just bought a $250 AA card on Raise - thanks LOL!!!

 

[palhockeymomof2]

Got my first referral. From my dh, lol. It was on the csp, so can someone please remind me how long it takes to get the bonus points?

Yaa...referral points usually post at some point on Tuesdays..if he applied today it may be too close for next week...but probably by the 19th

 

[mom2elal]

1099s...AMEX...and Hilton...gah!

I'm going to vent for a minute so feel free to ignore this lol

• In 2018 my wife received 30,000 Hilton points from support clicks right away from r/churning in January. We then NEVER received another Hilton point despite having NUMEROUS folks on r/churning tell me they used my link. Somebody here even used my link and again no points - I figured it was a glitch or something and let it go (probably a mistake)
• Late Jan 2019 I receive a 1099 from AMEX showing I received 82,090 Hilton points for $550 - that's funny...I only got 30,000
• I'm about to list a bunch of long calls I made...This is my Wife's account so this is HOURS of Mrs. SouthFayetteFan voice...
• 2/4/19 - I (wife) call Hilton to VERIFY the 30,000 points in my records (to make sure I'm not missing something) and they absolutely verify the figure
• 2/4/19 - I (wife) call AMEX, explain the issue. The rep has no clue what I'm talking about or that they even issue 1099s. She is able to confirm that I show 14 support clicks in 2018. 14???? Where are my points!! I finally convince them to open up a case...I will hear back in 24-48 hours...never hear back
• 2/18/19 - I (wife) call AMEX again - very upset since I never heard back. They have no idea why nobody got back with me. Give them ALL the info again...It may take a couple weeks to hear back (ok so not 24-48 anymore??) and they could issue a revised 1099 then - GREAT, I'm happy!
• 3/8/19 - Informed delivery shows two 1099s coming from AMEX...yay - hopefully resolved. Open the 1099s...they are the SAME FREAKIN $550 from before
• 3/8/19 - I (wife) call AMEX again - get a MARVELOUS agent who not only understands the issue but tells me that they transferred 15,000 points on 1/12 (yup I can verify those posted 1 day later; transferred 15,000 points on 1/19 (yup I can verify those posted 1 day later); transferred 30,000 and 22,090 points on 1/21 - Ummmmm WHAT? Those never posted...it's exactly 52,090 points...THE AMOUNT I KEEP ASKING FOR... Why couldn't any of the other idiot reps give me this detail A MONTH AGO!!!!! Ok so this is a Hilton issue...
• 3/8/19 - I (wife) call Hilton - try to explain the issue to the agent and oh my, she starts arguing with me that points aren't taxable. Cue my Ron Swanson Meme - I KNOW MORE THAN YOU!!! I finally get her to understand she has filed a case for my missing 52,090 points.

The really sad part about this is that because of this glitch I got 8 support clicks that could've gone to somebody else. That's 120k-160k Hilton points depending on what offer they were running!! Luckily I think MOST of those clicks were from r/churning so it didn't hurt folks here.

WHAT A FREAKIN' MESS!!! At this point I'm supposed to receive my 52,090 Hilton points once they resolve the issue on their end. And I guess I do owe taxes then on the points...I asked them to PLEASE resolve this by the end of the month because I don't really want to pull the trigger on the taxes until I know they posted.

EDIT 1: I owe @amalone1013 a lot of royalties
EDIT 2: I'm losing my voice because talking in my high voice for 2 hours really takes it's toll on me!!

But if the points are transferred to you THIS year, won't they have to be on 2019 taxes?

 

[Lain]

What bout the other Chase business cards...CIC and CIU...both have 50k UR sign up bonus with a 3k MSR
Or refer DH for another CIP

Great answer.

Tagging @ski_mom.

 

[Lain]

Got my first referral. From my dh, lol. It was on the csp, so can someone please remind me how long it takes to get the bonus points?

You'll probably see them pending on your CSP account next, next Tuesday.

 

[FloridaNative8]

I take the be SUPER nice approach. I rarely will resort to anger as I think I get a lot more sympathy if I sound like a very disappointed loyal customer. I did have both agents comment on how knowledgeable I was today though. I'm like "Yes I know my stuff, I've done my research", LOL!

I do this also - "You catch more flies with honey than vinegar"... it's worked well for me so far!

 

[FloridaNative8]

If you don’t need the CP until 2020...I’d suggest waiting until the end of the year, beginning of next year to get the SW cards and have all the RR points post in 2020...so you’d have the CP for the rest of 2020 and all of 2021

Since people have had success going for another CIP with EIN or just SS...maybe have P2 refer P1 for a 2nd CIP
Or have P1 apply for the CIU or CIU..both have the same SUB 50k URs after a $3k MSR

If I just got my CIP in 8/18 - I wonder if they would approve that? And if denied, would that hurt my chances of getting the CIC or CIU?

I'm also thinking of doing my SW DD later this year, and having P2 do his late this year, so we would have 2 CPs for 2020 - anyone have thoughts on that?

 

[SouthFayetteFan]

But if the points are transferred to you THIS year, won't they have to be on 2019 taxes?

LOL - a good point. Luckily AMEX gave the points to Hilton in 2018 so that part is done. It's just Hilton who sat on them so no tax event there!

 

[Haley R]

Haven’t driven through there...just asked DS...he said it’s really nice....there are lots of places in Orlando named after Dr Phillips

I’ll have to look up who that is but I’m glad your ds said it’s nice

 

[palhockeymomof2]

If I just got my CIP in 8/18 - I wonder if they would approve that? And if denied, would that hurt my chances of getting the CIC or CIU?

I'm also thinking of doing my SW DD later this year, and having P2 do his late this year, so we would have 2 CPs for 2020 - anyone have thoughts on that?

This is my timeline for DH..6/18..CIP with SS....1/19..2nd CIP with EIN....we always reduce Chase credit limits to about 30% of household income before applying for a new card.
If you got a new card now....any of the business cards......there would be plenty of time inbetween the SW applications at the end of the year

 

[Gwmw1210]

Looks like doctor Phillips (weird name for a town) is closer than Windermere

@Haley R, We lived in Windermere a few years ago. My DD use to take classes at MyGym in the Dr. Phillips area. Both are really nice areas. Dr. Phillips is closer to the area you mentioned. It’s best to minimize the travel time as much as possible. It can be pretty challenging. When we relocated (briefly) DH company set us up with a reloc. specialist in the area. Because it wasn’t our first reloc. we knew it would be wise to go in renting until we became familiar with the lay of the land. Thankfully, we went that route for a couple of reasons. First, there are a few nice areas to choose from and second, we were only there for a year ( by choice). Our DD (6yo at the time)had a blast. I'm sure you can imagine how much time we spent at WDW.

 

[Haley R]

What will happen to the band?

It would be no more sadly. It had to end sometime with Dh and I wanting a family anyway

 

[calypso726]

I could use some advise.

My wife and I will be spending the next 4 years saving up for a Mediterranean cruise for our 35th wedding anniversary. My plan is to buy a Disney gift card every month, which will come pretty close to paying for the cruise.

I'm thinking that it would be wise to use a new, dedicated credit card to buy these Disney gift cards each month. What I'd like to do is get a credit card that would accumulate miles with an airline, such as United (for international travel). The credit card would be used ONLY to buy a Disney gift card each month. When the credit card bill arrives, it would be paid off each month.

I'll confess that I've never participated in a program where air miles are accumulated, so I know absolutely nothing about it. But if I can use a credit card that would help offset the air fare to and from Europe, I would be foolish not to try.

So, credit card gurus, which credit cards do you recommend we investigate to accumulate as many air miles as possible over the next, four years?

I truly appreciate the experience and advice of all those willing to proverbally hold my hand through this.

We pay all of our Disney cruises and Disney related vacation expenses with Disney gift cards. Before you choose a specific airline credit card you may want to be sure which is the most likely airline you will be flying from your airport to your destination. Depending on your location United may not be your best option. For example, I am in south Florida and do travel a fair amount internationally. United would not be a good choice for me to concentrate on even though they fly internationally. Miami is a hub for American Airlines and will have many more flights available to me than United would.

Once you determine which airline is your likeliest candidate then you want to figure out approximately how many miles you will need in order to purchase an award ticket. You will want those miles ready to use about 330 days before your actual flight. Award tickets are limited and can disappear very quickly. MIA-BCN would be 60,000 miles for one person round trip at the saver level in economy but would have a connection just looking at some what what is open this summer. A direct flight would be 130,000 AA miles. Now lets assume that United has similar rates for award tickets . I don't know as I didn't check/ You would need 120,000 miles for 2 people in economy at the saver level. If you get a United card and received the sign up bonus for 70,000 miles you'd be able to have one person fly economy. You would need to spend an additional $50,000 purchasing Disney GCs to get enough point for the second person.

This is why most of us choose to sign up for more than one card or get our spouse to sign up for their own card. More points. Many of us also utilize spending bonus categories to generate more points. The most valuable points are the variable points like Chase Ultimate Rewards, Amex Membership Rewards and Citi Thank you Points. They can be transferred to an airline program or be used to purchase travel through the travel portal of each bank. The general rule of thumb is to get your Chase cards first due to the 5/24 rule.

When I started out back in 2012 I was hoping to get enough points to get round trip flights to Scotland in economy. I quickly realized I'd have enough to fly there in first class. The decision to do that quite literally changed my life. It's a great hobby and you have a great many people here that are happy to hold your hand and walk you through it all. So, the things we need to know would be what credit cards have you opened up within the last 2 years or become an authorized user on as well. Then, what is/are your closest airports and where do you think you will be flying into. That info will help us help you.

 

[FloridaNative8]

This is my timeline for DH..6/18..CIP with SS....1/19..2nd CIP with EIN....we always reduce Chase credit limits to about 30% of household income before applying for a new card.
If you got a new card now....any of the business cards......there would be plenty of time inbetween the SW applications at the end of the year

Thanks for the feedback! Off to get my EIN now

 

[Lain]

 

[Judique]

Why is that trouble?

Because your husband can run to Disney or Universal right after work.

 

[gottalovepluto]

Altitude Reserve for booking Disney hotels... US Bank's Altitude Reserve wasn't too useful for this feature before but I think sometime back they modified the travel portal to allow for points + cash bookings. I played around with it for the first time today and I'm seeing the 1.5 redemption rate for Disney hotels and I can pay the rest of the booking in cash. They are powered by Connexions so it's very similar to how Chase used to operate. I haven't called to find out if they have a similar cruise/tours set up, no idea there. I didn't see Disney World tickets, I did see Universal tickets at 1.5 rate under travel -> activities for 2 days or more.

AR can be one of the more difficult cards to get as no one is quite sure what makes US Bank tick. You need to be a client of US Bank & it can be hard to get a foot in the door if you aren't in their "geographical footprint". I ended up here because I opened an account summer before last for a bank bonus. 6 months later this card popped up in my pre-approved cards so I rolled the dice and applied and was approved, I think at the time I was around 8/24. Pre-approvals are NOT guarantees of approval but when I called recon a few days after applying for the card he specifically mentioned "oh I see you're pre-approved" so it might help a bit (my income is definitely on the low side for this card).

With a $400 AF, $325 in travel credits* and 50,000 points for $4500 spend this could end up netting someone $675 if the points are redeemed towards travel.

DO NOT MS THIS CARD. DO NOT EVEN BUY GIFT CARDS WITH THIS CARD. US BANK HAS NO MERCY. And I suspect they have a very long memory as they emphasize being a "relationship bank". Some people get by doing those things just fine, others bought one gift card and go shutdown. No one gets re-instated.

@SouthFayetteFan if you'll add a parent comment on our DISchurners Disney Tips I can do a little write up there as well

*I just saw a DP from yesterday on DoC of a person who tried the double dip and the AF refund was reversed a few days later Others had reported success with that before but that part might be dead not as great a deal as I thought it was if this continues to be the case

 

[SouthFayetteFan]

Altitude Reserve for booking Disney hotels... US Bank's Altitude Reserve wasn't too useful for this feature before but I think sometime back they modified the travel portal to allow for points + cash bookings. I played around with it for the first time today and I'm seeing the 1.5 redemption rate for Disney hotels and I can pay the rest of the booking in cash. They are powered by Connexions so it's very similar to how Chase used to operate. I haven't called to find out if they have a similar cruise/tours set up, no idea there. I didn't see Disney World tickets, I did see Universal tickets at 1.5 rate under travel -> activities for 2 days or more.

AR can be one of the more difficult cards to get as no one is quite sure what makes US Bank tick. You need to be a client of US Bank & it can be hard to get a foot in the door if you aren't in their "geographical footprint". I ended up here because I opened an account summer before last for a bank bonus. 6 months later this card popped up in my pre-approved cards so I rolled the dice and applied and was approved, I think at the time I was around 8/24. Pre-approvals are NOT guarantees of approval but when I called recon a few days after applying for the card he specifically mentioned "oh I see you're pre-approved" so it might help a bit (my income is definitely on the low side for this card).

With a $400 AF, $325 in travel credits that you can double dip by hitting before canceling and 50,000 points for $4500 spend this could end up netting someone $1k if the points are redeemed towards travel.

DO NOT MS THIS CARD. DO NOT EVEN BUY GIFT CARDS WITH THIS CARD. US BANK HAS NO MERCY. And I suspect they have a very long memory as they emphasize being a "relationship bank". Some people get by doing those things just fine, others bought one gift card and go shutdown. No one gets re-instated.

@SouthFayetteFan if you'll add a parent comment on our DISchurners Disney Tips I can do a little write up there as well

Added - https://www.reddit.com/r/DISchurners/comments/ai6lq0/dischurners_walt_disney_world_tips/ei3p02y/ I did a brief intro but figured you could put the meat of this comment there so people know where it came from

Thanks for asking first I like how the index is there and all the Top Level comments are distinguished in green as a mod comment. Yes, things being organized like that make me happy.