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

[afan]

Anyone else get super stale marketing emails from Chase today? Hubby and I both opened SW cards end of 2021 for the 100k offer, both have hit the full bonus and gotten enough miles to hit CP.

Today, we both got an email saying, "Congrats on spending for the 50,000 miles bonus! You can spend $12k more to get the other 50k"

Ummm, been there, done that, everything credited months ago...

No but the plan it emails I get aftet I've paid the balance drive me nuts. Also keep getting kods debit emails. No kids here so totally irrelevant.

 

[sinnika]

Anyone else get super stale marketing emails from Chase today? Hubby and I both opened SW cards end of 2021 for the 100k offer, both have hit the full bonus and gotten enough miles to hit CP.

Today, we both got an email saying, "Congrats on spending for the 50,000 miles bonus! You can spend $12k more to get the other 50k"

Ummm, been there, done that, everything credited months ago...

Got the same thing! Thought they were acknowledging my second 50,000 points that I just earned. I’m still trying to earn CP with one card.

 

[Albort]

i couldn't even find how to find AA flights!
and BA doesn't seem to go anywhere in Europe without stopping in London with the high fees

you may want to look into Iberia which also uses Avios and doesnt have the high taxes.

 

[MouseOfCards]

I was just about to ask which rental agency because I know Hertz President's Club comes with Venture X and that means a free car class upgrade. HOWEVER, when I tried to book our rental thru their portal, they didn't include Hertz as a choice (which seems so weird given the partnership). I ended up booking thru Hertz (and not pre-paid).

This reminds me, when checked our reservation this weekend on the Hertz app, the price was literally half what I was quoted when I booked! I was stunned and took a screenshot. Need to log in again to see what it's showing on the web. ANyone experience that for summer bookings!?

We did book the rental from Hertz via the Capital One portal. The manager at Hertz said that the rental did not show up as President's Circle and asked if received PC status after making the booking. Had to show her the email from Hertz confirming PC status was received prior to making the reservation. She then allowed us to select a vehicle from the PC aisle - there were lots of huge Yukons and Suburbans available. We selected the smallest SUV there, an Escalade, which is still pretty big and not that easy to park in the hotel garage spaces.

We did keep checking rates as we got closer to the trip, but the prices just kept going up. Also, there weren't a lot of Hertz vehicles available when we booked, but there were some. You might want to check their portal again to see if something pops up.

 

[leeniewdw]

Thanks! I booked a few months ago, so I'm glad to see that Hertz is showing up now on the portal. I was able to print out a paper copy of the Hertz rate that is showing now and hoping that doesn't change or that my paper copy will insure that rate. But I also looked for cars as a new reservation (wondering if they had an increase in their fleet) and there was very little! So I'm keeping the booking as is for now, I guess I should look to see in the portal because I'd earn more points, but I really don't want to risk something oddball happening. (We've had SO many itinerary changes on our flights, Delta, and I was FINALLY able today to get the cabin we wanted for all the nights we wanted in Yellowstone. I want to be done with making changes on this trip!)

 

[Sheree]

you may want to look into Iberia which also uses Avios and doesnt have the high taxes.

when i look on the BA site, it only ever shows BA flights, none other
hmmm

 

[mmmears]

I am not sure where you got defaulting. Say you buy a 40k car in cash, you drive it off the lot and now that car is work 30k. It gets hit and totaled, insurance would give you 30k, so now you lost 10k. If you paid 5k in cash and 35k in a loan and it was totaled insurance would pay 30k and gap would pay 5k so you lost 5k.

It's way more funky now with used car values and also it's personal preference/ depends on your interest rate to decide if that matters to you. You could go forever with no accidents and it doesn't matter or a college student could run a stop sign and total your 3 week old 22' and you're out your down payment

What is this gap that would pay you 5K?

Just curious.

Here's my other car question. If the mortgage is about to be paid off, is a good idea to get a car loan (will it prevent our credit scores from falling a lot because of no loans)? Obviously these loans aren't great because of the interest payments, etc., but wondering if it's something to consider when we reach the end of the mortgage.

 

[TheOneWithTheTriplets]

What is this gap that would pay you 5K?

It's insurance to cover the gap between the value you are given for your car if it's totalled, stolen, etc and the amount you still owe on it. Extra insurance specifically to cover possible difference if you still have a loan or lease on a vehicle.

You can buy it separately, some loans offer it as an add on, and some auto insurance offers it as an add on.

 

[mmmears]

No but the plan it emails I get aftet I've paid the balance drive me nuts. Also keep getting kods debit emails. No kids here so totally irrelevant.

Ugh that one is so annoying. I think they have sent it to me daily. My kid is an adult and has her own cards, so we have no need for this debit card they are pushing so hard. I wish there was a way to opt out of some of these emails.

 

[mmmears]

It's insurance to cover the gap between the value you are given for your car if it's totalled, stolen, etc and the amount you still owe on it. Extra insurance specifically to cover possible difference if you still have a loan or lease on a vehicle.

You can buy it separately, some loans offer it as an add on, and some auto insurance offers it as an add on.

So it costs even more money? I don't think that's something I'd sign up for in that case. Thanks for explaining.

 

[FreeDiningFanatic]

Southwest fare sale off cash and points bookings:

30%
off base
fares*
to and from Hawaii, Mexico,
the Caribbean, and Central America
with code GOTROPICAL.
*Use promotion code GOTROPICAL from 4/26-4/28/2022 for travel on select flights from 9/6-11/4/2022. Restrictions and exclusions apply.
Seats and days limited. Discount is applied before government taxes and fees.

 

[becauseimnew]

when i look on the BA site, it only ever shows BA flights, none other
hmmm

What routes are you searching?

 

[reliev]

I found this podcast on booking ANA very informative.

Link

i think it was you who wrote the report? ha who was it why am i drawing a blank im on this thread every few days

 

[Mulliganman30]

What tools or techniques are some of you using to meet some of the higher signup bonuses if you don’t have Serve or Bluebird as an option

 

[palhockeymomof2]

What tools or techniques are some of you using to meet some of the higher signup bonuses if you don’t have Serve or Bluebird as an option

I plan my cc applications around large spends…vacations, insurance, taxes etc…sometimes I’ll prepay electric or get an oil delivery if just a bit more is needed to meet the SUB.

Some cards with large spends…I’ll never apply for due to not being able to spend that much

 

[hsmamato2]

I don't think that's what they were saying, rather to put a smaller down payment in case of accident? I'm starting to get what they are referring to but I've always slapped a big amount down on most of my cars and then paid them off very quickly.

Another twist is just recently cars have been appraising higher than what they cost.

I am not sure where you got defaulting. Say you buy a 40k car in cash, you drive it off the lot and now that car is work 30k. It gets hit and totaled, insurance would give you 30k, so now you lost 10k. If you paid 5k in cash and 35k in a loan and it was totaled insurance would pay 30k and gap would pay 5k so you lost 5k.

It's way more funky now with used car values and also it's personal preference/ depends on your interest rate to decide if that matters to you. You could go forever with no accidents and it doesn't matter or a college student could run a stop sign and total your 3 week old 22' and you're out your down payment

I wish I understood this..... can someone explain? Why is it a bad thing to pay off your car,insurance wise?

 

[hsmamato2]

What is this gap that would pay you 5K?

Just curious.

Here's my other car question. If the mortgage is about to be paid off, is a good idea to get a car loan (will it prevent our credit scores from falling a lot because of no loans)? Obviously these loans aren't great because of the interest payments, etc., but wondering if it's something to consider when we reach the end of the mortgage.

IDK about loans..... we had paid off our car about 7 years ago- paid off mortgage last fall.... I looked today,my score has dropped 4 points (I'm also spending a lot less than previous too) IMHO nothing to worry over.(still well over 800)

 

[reliev]

I wish I understood this..... can someone explain? Why is it a bad thing to pay off your car,insurance wise?

I've never gotten in a wreck where my car was totaled except once, i pay off stuff in cash too i don't think it hurts you once you are above 800 3-4 points doesn't really change your tier 1 credit IMO. I personally am trying to get rid of my mortgage also i want to free up cash flow for more investment/saving/retirement and points for trips ofc.

 

[Judique]

I wish I understood this..... can someone explain? Why is it a bad thing to pay off your car,insurance wise?

It's not a bad thing to pay off your car. Or to buy it cash if that's what you prefer.

When you are purchasing a car and intend to put a down payment, for instance $2500, a new car may or in the past, did depreciate the minute you drove it off the lot as in effect it became a 'used' car if you were about to sell it.

Combine that with if you had a serious accident where the car was possibly totaled out, your insurance claim and settlement may not equal what you owe on the car. That would mean no car plus still having a car payment for the difference between what your loan was and what insurance paid out. Gap insurance may take care of part of this. As time goes on and you pay down your loan, you can always change coverage, but keeping it where it will at least cover the loan and the value left in the car.

An example of changing coverage is when your car becomes a clunker but still usable but worth nothing much in an insurance claim, you would drop to liability only to cover the other guy - assuming you were at fault. An insurance adjustor might decide to total out an old car even though it is repairable because the repairs are higher than the cars value.

 

[570traveler]

So I just tried applying for a CIU and got the need more time. When I called the number, it says no applications on file….