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

[elgerber]

Nope, don't need it. Just 2 forms of ID and $25 if applying as sole proprietor

That is in incredible offer, but doing that in person with a "business", too scary LOL

 

[Duckbug.Ducktales]

That is in incredible offer, but doing that in person with a "business", too scary LOL

My "business" is just a side teaching job I have. I pretty much described it as is. When asked about "business assets" I just said my syllabi are intellectual property and that's what she put down. I think a lot can count if you decide to call it a business. There was also no need to prove anything. Anyway, I can see how it can be scary, I was a little nervous at first but the banker was so friendly from the start that it was all fine after that.

 

[TNKim]

Looking for some advice on whether I should apply for a new credit card to maximize points. We are replacing windows and total will be around $9,000. I am single, and currently have Chase Sapphire Preferred with $95 fee, Chase SW Plus with $69 fee, Chase Freedom Unlimited and Chase Freedom. I also have American Express Blue Cash Everyday and Discover. I'm mainly looking at points to use for travel & flying SW. I do not have a business so a business card is out, as is referring someone.

I am 3/24 with one being an Authorized User on my mother's local bank Mastercard. The SW card bonus reward points posted on the 2/13/20 and 4/13/20 statements.

So would you recommend canceling the SW card then reapplying for another SW Plus card? I really don't want to have a huge annual fee since I'm keeping the Sapphire Preferred to enable me to transfer points from other Chase cards to SW.

Or is there another card I should look at?

 

[afan]

It's April 14 and I'm cold and not amused. Didn't think Tux would get his first snow until next winter when I could get him a coat he won't grow out of. Did I mention I'm just south of seattle and this is so far from normal it's not funny.

Dude and tux have been getting along well. Tux will find even the smallest bit of sun to sit in.

 

[elgerber]

It's April 14 and I'm cold and not amused. Didn't think Tux would get his first snow until next winter when I could get him a coat he won't grow out of. Did I mention I'm just south of seattle and this is so far from normal it's not funny.

Dude and tux have been getting along well. Tux will find even the smallest bit of sun to sit in.

my doodle loves it! I am ready to scream. My terrier mix is having none of it.

 

[CyndiLouWho]

It's April 14 and I'm cold and not amused. Didn't think Tux would get his first snow until next winter when I could get him a coat he won't grow out of. Did I mention I'm just south of seattle and this is so far from normal it's not funny.

Dude and tux have been getting along well. Tux will find even the smallest bit of sun to sit in.

Here it is loads of rain. 2 dogs, one extra large size, with muddy paws all the time. The big one stands on his hind legs and put paws on the storm door so there are muddy prints there too. DS had soccer practice in rain last night. They have canceled a lot of practices because fields are too wet. Last night was on the local high school turf field and only 50 minutes because that's all they could squeeze in. ⛈⛈

 

[LilSweetPeaPhoto]

So here I am nuts, thinking about non-revving to Vegas tomorrow morning so my 17yo can see BTS tomorrow night, LOL. She's going to be VERY spoiled by this "lifestyle", lol. I can score a room at the Westin just off the strip using my 35k FNC. It's where the BF stays overnight. I stayed there w/ him on a trip once. It's not the glitz and glam of Vegas, but it's not like my 17yo can/will be gambling. I'll take her to the casinos for her to see the crazy, LOL. I've gone back and forth a few times over whether or not to do this, and at the end, she didn't get a spring break, I didn't do anything really big for her bday. She's going to pay for the concert ticket. I'll cover her buddy pass fees, the hotel "resort" fee, ubers, etc. And hopefully it's one of those things she looks back on w/ good memories. And it's 24 hours in Vegas for me. I'll need to figure out something to do while she's at the show, I guess that's when I'll get my gambling on if I'm going to do any.

I'm slightly worried about getting thru TSA in the morning. I have precheck, she doesn't. Normally they never give me grief bringing her through, especially since they don't ask for her ID. Our reservations won't be "together" either, but I'm hoping they let her through with me. I guess we'll see. If not, she can do regular TSA by herself and I'll make my way to the gate to get us checked in there.

Has anyone opened an “business” checking account at Wells Fargo?
https://www.doctorofcredit.com/in-branch-only-wells-fargo-business-checking-1500-bonus/

I think this is too good to miss out on.

I think the closest one to me is Chicago....but then again, I'm going to Vegas tomorrow and they have WF there. Hmmmm. I wish I could do this one!

 

[afan]

my doodle loves it! I am ready to scream. My terrier mix is having none of it.

Tux didn't like it but in his defence it was basically slush disguised as snow.

Here it is loads of rain. 2 dogs, one extra large size, with muddy paws all the time. The big one stands on his hind legs and put paws on the storm door so there are muddy prints there too. DS had soccer practice in rain last night. They have canceled a lot of practices because fields are too wet. Last night was on the local high school turf field and only 50 minutes because that's all they could squeeze in. ⛈⛈

Rain would be fine. This cold has had a little but it was getting dry and static when you do stuff. Always find it interesting when and what gets posponed/cancelled for rain elsewhere. Baseball and softball will here but not soccer or football. We'd have no sports for weeks if they did.

 

[Haley R]

We were able to score a preview spot for the new guardians ride at Epcot. I’m super excited!! We ended up booking one night at riverside so we could be there ready to go in the morning instead of driving over

 

[my523]

I need help making a decision on which credit card to get. Here's the situation:

We plan to book our Disney plane tickets as soon as the SW calendar opens up for December, which will be in mid-June. We plan to buy 6 tickets using points and will need approx 137,500 points (if they are about the same as they are right now). We currently have 105,000 points on our CSP credit card to transfer. We do not have any other cards.

Question:
Should we open a SW credit card for 40,000 extra points (for $1,000 spending in 3mo, plus $69 fee) or another CSP for 75,000 extra points (for $4,000 in 3mo, plus $95 fee...I am calculating the bonus based on 40,000 points welcome offer + referral bonus)???

We would get more points with opening a new CSP, but spend less overall with SW. We wouldn't continue to use the SW card after the ticket purchase, honestly. Wondering which would be the best option and cause us not to "waste" any points or spend extra $ in the process. Hope that makes sense!

OK, so now the online offer is 80,000 bonus points.

I called my local branch and they can't tell me anything over the phone. I have to go in person (which I just have to find time for with 4 kids! lol).

So, should I get the in-branch offer of 80,000 + fee waived first year OR 80,000 + 15,000 referral bonus?

 

[havaneselover]

It's April 14 and I'm cold and not amused. Didn't think Tux would get his first snow until next winter when I could get him a coat he won't grow out of. Did I mention I'm just south of seattle and this is so far from normal it's not funny.

Dude and tux have been getting along well. Tux will find even the smallest bit of sun to sit in.

Yuck and he’s soooooo cute!

 

[afan]

Yuck and he’s soooooo cute!

Thankfully once it stopped it all melted so you can barely tell it even happened. Sun is out too. I just need it to warm up to 60, I won't get greedy and ask for more yet.

 

[becauseimnew]

I think the closest one to me is Chicago....but then again, I'm going to Vegas tomorrow and they have WF there. Hmmmm. I wish I could do this one!

We're going to SF & Big Sur this weekend, I also thought about it but I would think I need a state DL/ID to open an account.

 

[lsutigers03]

OK, so now the online offer is 80,000 bonus points.

I called my local branch and they can't tell me anything over the phone. I have to go in person (which I just have to find time for with 4 kids! lol).

So, should I get the in-branch offer of 80,000 + fee waived first year OR 80,000 + 15,000 referral bonus?

The referral is worth at least $150 if you cash it out and could be worth more if you can use it with the 25% bonus booking something on the Chase portal or with PYB.

 

[mmmears]

I’m considering a cruise for next year on Celebrity (Apex). We have only done DCL in the past. Any advice on how to book it (thinking of just booking directly so I don’t have a middle man)? Any advice about Celebrity in general?

 

[Duckbug.Ducktales]

The Amex website is soo slow and clunky (in my experience, at least). It's a bit frustrating. Just venting, nothing to be done...

 

[wanderlust7]

I’m considering a cruise for next year on Celebrity (Apex). We have only done DCL in the past. Any advice on how to book it (thinking of just booking directly so I don’t have a middle man)? Any advice about Celebrity in general?

I always use Cruise Compete to see who has the best deal. Easiest to compare when you have the sail date and cabin type decided. Sometimes they have a group block that is significantly cheaper (though not sure if that's still a thing now). But even if not, I consistently get at least 10% off the cruise line price as a discount or OBC. Have done NCL, RCCL, and Carnival this way. Should work for Celebrity too. It doesn't work for DCL.

Some TAs also participate in the Amex plat Cruise Privileges Program, you can get some more OBC from that.

 

[happ]

Looking for some advice on whether I should apply for a new credit card to maximize points. We are replacing windows and total will be around $9,000. I am single, and currently have Chase Sapphire Preferred with $95 fee, Chase SW Plus with $69 fee, Chase Freedom Unlimited and Chase Freedom. I also have American Express Blue Cash Everyday and Discover. I'm mainly looking at points to use for travel & flying SW. I do not have a business so a business card is out, as is referring someone.

I am 3/24 with one being an Authorized User on my mother's local bank Mastercard. The SW card bonus reward points posted on the 2/13/20 and 4/13/20 statements.

So would you recommend canceling the SW card then reapplying for another SW Plus card? I really don't want to have a huge annual fee since I'm keeping the Sapphire Preferred to enable me to transfer points from other Chase cards to SW.

Or is there another card I should look at?

How long ago did you get the bonus on your CSP? If it's been 48 months, you may want to consider product changing that card and applying for another CSP with the new 80,000 point offer. The SW cards don't have a great offer currently. If you really want SW, I would wait. You could apply for an Amex card if you have a use for Membership Rewards. It kind of depends on what points you're looking to get.

 

[ski_mom]

I’m considering a cruise for next year on Celebrity (Apex). We have only done DCL in the past. Any advice on how to book it (thinking of just booking directly so I don’t have a middle man)? Any advice about Celebrity in general?

I always use Cruise Compete to see who has the best deal. Easiest to compare when you have the sail date and cabin type decided. Sometimes they have a group block that is significantly cheaper (though not sure if that's still a thing now). But even if not, I consistently get about 10% off the cruise line price as a discount or OBC. Have done NCL, RCCL, and Carnival this way. Should work for Celebrity too. It doesn't work for DCL.

Some TAs also participate in the Amex plat Cruise Privileges Program, you can get some more OBC from that.

We've had good luck with Cruise Compete as well.

 

[ski_mom]

Has anyone had any luck getting TSA precheck for other people in your family? We have at least 3 of them that we haven't used and I thought about seeing if I could get it for the kids.