DisneyMandC
DIS Veteran
- Joined
- Feb 18, 2015
Haha, I think Darius is officially gone as of earlier this year too.LOL ok, not the same guy I'm thinking of then!!
View attachment 345399
That makes me feel a little better because I was like "jeez, this guy never takes his kids anywhere."
No def don’t need that much at all. I lowered mine to $87K should I do another $10K or more? I’ll lower DH by $20k easily so maybe I should do another $20K? Only cards we really use much are the CFU (3x in DHs name) and my CSR.Mid-September is 3 months from the Marriott. I'd still do some major cutting on that $77k credit line and your $97k before then. Does he need $77k in credit from Chase? I've seen some discussion that after some point <50% doesn't matter anymore, and too much is too much.
At this point, I'm just popping in every few days to see what deal they're going to kill next.
So I'm gold, so I can transfer for free... out of my account? But if I want to put DHs couple thousand points in, or MIL/FILs it will cost $10?View attachment 345398
New, raised limit to Marriott points transfers - 100,000 per year for $10 (free if higher than Silver status).
You all were so helpful when I started asking questions a few months ago I'm back for Round 2!
Background: We've had 2 credit cards for decades (Discover and a Citi they changed from something else a year or so ago), but have decided to play the travel game Ultimate goal is flying lay flat business to Australia and using points for some hotels there. I had hoped for 2019 but 2020 is more likely. We are DVC, travel to WDW as a couple once a year and as a family with our young adult kids every 12-18 months. Dh and I take a national parks-type trip once a year, generally flying SW. Youngest flies SW for school breaks. PHL and BWI are airports of choice.
Dh is a reluctant P2 who will not apply for business cards. I have just finished homeschooling youngest and am contemplating getting back to tutoring like I did before we started homeschooling 8 years ago. So that would work as a legit business.
Me:
CF 7/18 (1/24)
DH:
CSP 7/18 (1/24)
I think going for the SW CP (so that it's valid for 2019-2020) is a good idea for us between our usual travel and visiting my extended family in CA more often. But when in relation to other cards? CIP is a good choice for me first because of the number of UR, right? CIC would be better in the long-run though, I think.
Double dipping kinda makes me nervous
Right now we can meet spends of $5-7K/3 months easily. $8-10K would take planning. We are considering some work on the house, though.
Suggestions with timing?
And another thing---I've read Chase prefers not more than 50% of income in credit limits. Is that combined across personal and business cards? And is there also a $ limit, rather than the 50% amount?
Thanks so much
I’m very conservative so I’ve lowered mine by a lot...the highest I’ve kept on one card is 15,000...the ones I don’t use mush I’ve lowered to $5,000No def don’t need that much at all. I lowered mine to $87K should I do another $10K or more? I’ll lower DH by $20k easily so maybe I should do another $20K? Only cards we really use much are the CFU (3x in DHs name) and my CSR.
what is the difference in the charge and credit?
You all were so helpful when I started asking questions a few months ago I'm back for Round 2!
Background: We've had 2 credit cards for decades (Discover and a Citi they changed from something else a year or so ago), but have decided to play the travel game Ultimate goal is flying lay flat business to Australia and using points for some hotels there. I had hoped for 2019 but 2020 is more likely. We are DVC, travel to WDW as a couple once a year and as a family with our young adult kids every 12-18 months. Dh and I take a national parks-type trip once a year, generally flying SW. Youngest flies SW for school breaks. PHL and BWI are airports of choice.
Dh is a reluctant P2 who will not apply for business cards. I have just finished homeschooling youngest and am contemplating getting back to tutoring like I did before we started homeschooling 8 years ago. So that would work as a legit business.
Me:
CF 7/18 (1/24)
DH:
CSP 7/18 (1/24)
I think going for the SW CP (so that it's valid for 2019-2020) is a good idea for us between our usual travel and visiting my extended family in CA more often. But when in relation to other cards? CIP is a good choice for me first because of the number of UR, right? CIC would be better in the long-run though, I think.
Double dipping kinda makes me nervous
Right now we can meet spends of $5-7K/3 months easily. $8-10K would take planning. We are considering some work on the house, though.
Suggestions with timing?
And another thing---I've read Chase prefers not more than 50% of income in credit limits. Is that combined across personal and business cards? And is there also a $ limit, rather than the 50% amount?
Thanks so much
PP were correct in explaining the difference...another one that's pertinent if you like Hilton/Starwood/Delta/EDP/BBP is that Amex limits the number of credit cards to 5, with no apparent limit on charge cards. In my case, I have 5 credit cards and would really like the BBP and Hilton Aspire which means I'll need to dump a Delta co-brand in Nov to get the Hilton Aspire; another Delta co-brand or SPG or EDP for the BBP.
It takes them a few days to get them in the system and then a few days to get around to reviewing them. I was able to call after they had them in the system and the person put me on hold to review the docs and then cleared me on the phone. (Fwiw they were not able to expedite the card though, even though I was willing to pay $15 at the time for them to do so they said it's no longer an option if you go through verification.)Just checked my AA account for the first time since last week and I see I'm now up to 70k miles! I need to have DH call into Barclays and figure out whats going on with his Aviator Biz. Sent in all the documents about 10 days ago but haven't heard anything yet.
try it, there’s rumors of the 5 amex CC card being lifted.
It takes them a few days to get them in the system and then a few days to get around to reviewing them. I was able to call after they had them in the system and the person put me on hold to review the docs and then cleared me on the phone. (Fwiw they were not able to expedite the card though, even though I was willing to pay $15 at the time for them to do so they said it's no longer an option if you go through verification.)