I love credit cards so much!

[wendow]

ok what does 2 weeks mean when you call? Needed to call to get signed into my account but called to see if I was approved first since I can't log on to check. Thanks

This is 'typically' a good sign of impending approval. I am one of the rare cases that got the 2-week message and was later denied. Normally, you can begin to get a bit giddy after hearing the 2-week message

 

[wendow]

I don't fly much, and when I do, it's usually for work about 3 times a year. Although 2 of those trips are usually to Canada so SW isn't an option.

What airline are your Canada trips on?

 

[3 DD love princesses]

I don't fly much, and when I do, it's usually for work about 3 times a year. Although 2 of those trips are usually to Canada so SW isn't an option.

I would do the CIP that way you can always transfer your UR points to an airline that would work for your travel needs. Plus the 80k bonus is well worth it for the $5000 spend in my opinion

 

[FloridaNative8]

Awesome - I PMed you some info on our DISchurners site as well as some biz card application tips! I think the "list" of cards you'd be interested in are:

• Chase Ink Preferred (CIP) - biz card
• Chase Sapphire Reserve (CSR)
• Chase Sapphire Preferred (CSP)
• Southwest Business Card
• Southwest Personal Card(s) - there are 3 of them

Since your husband is interested too you can alternate applying for cards and even refer each other to cards for extra points! A CIP card for you now would be a great start while we formulate the rest of the plan. That signup bonus is 80,000 Ultimate Rewards (URs) for $5,000 Minimum Spend Requirement (MSR) in 3 months. That signup is worth somewhere between $850 and $1,275 depending on how you redeem the points!

I don't have any "support link" available on CIP currently...but PLEASE consider supporting one of our great DISers when you apply. You can find a support link on our DISchurners Reddit group (which I PMed you about).

THANK YOU! And I will definitely get started on Reddit, and support however I can.

I feel like I'm embarking on a fun journey! I LOVE researching and making/updating spreadsheets, so I'm hoping to put that to good use!!

 

[disneymagicgirl]

As soon as they become payable, you can use again- up to 3x in a calendar month for each merchant. Last time I checked though, neither Staples or Walgreens were running worthwhile offers Let me know if you see something good on the app!

They are good for me b/c I am using CF for 5x UR at walgreens stacked with RMN, and amex cards at staples for 10% back stacked with RMN.

 

[wendow]

They are good for me b/c I am using CF for 5x UR at walgreens stacked with RMN, and amex cards at staples for 10% back stacked with RMN.

I guess I could do the same but I want those better offers back lol!

 

[wendow]

THANK YOU! And I will definitely get started on Reddit, and support however I can.

I feel like I'm embarking on a fun journey! I LOVE researching and making/updating spreadsheets, so I'm hoping to put that to good use!!

Sounds like you will fit in well around here This is a very fun and rewarding 'hobby'!

 

[3 DD love princesses]

This is 'typically' a good sign of impending approval. I am one of the rare cases that got the 2-week message and was later denied. Normally, you can begin to get a bit giddy after hearing the 2-week message

yeah I really hope its approved since last time it was denied back in May and that hurt since it was my first denial. Now to wait till tonight to call back to check LOL

 

[miztressuz]

Applying on the same day doesn't bypass this?

think I saw on reddit reports of people who tried it and the 3rd app got blocked. when they called recon to push it through like normal they got a rep that said it was denied for too many apps or something and there wasn't any pushing it through.

 

[3 DD love princesses]

YAY my swagbucks bb 500 just posted! glad its still working.

 

[wendow]

yeah I really hope its approved since last time it was denied back in May and that hurt since it was my first denial. Now to wait till tonight to call back to check LOL

Is this for the CIC? My dh was denied in May for that card after getting the 2-week message. Approved in July though!

 

[palhockeymomof2]

I don't fly much, and when I do, it's usually for work about 3 times a year. Although 2 of those trips are usually to Canada so SW isn't an option.

No definitely don’t waste an application on SW cards...stick with Chase UR cards....the CIP first for the 80,000UR

 

[FloridaNative8]

Selling on eBay is my 'business' too You are in a perfect position to go for the Chase Ink Preferred (CIP). It's a fav around here for the sign-up bonus.

I didn't see the previous responses to your first post but just an fyi, the SW personal cards have low bonuses right now so I'd hold off on those.

If you can meet a 5k spend in 3 mos., I'd suggest you start with the CIP.

Thank you!!

What airline are your Canada trips on?

Delta/WestJet for the most part

I would do the CIP that way you can always transfer your UR points to an airline that would work for your travel needs. Plus the 80k bonus is well worth it for the $5000 spend in my opinion

Thank you!

 

[palhockeymomof2]

THANK YOU! And I will definitely get started on Reddit, and support however I can.

I feel like I'm embarking on a fun journey! I LOVE researching and making/updating spreadsheets, so I'm hoping to put that to good use!!

You’ll have a great time here...I just started in May and love this group...

 

[disneymagicgirl]

I guess I could do the same but I want those better offers back lol!

That would be nice but I have an impending trip so these are decent discounts.

Walgreens is approx 17.5% off $25 card (7.5% URs redeemed thru CSR/portal, 10% back RMN).

Staples is approx 20% off $50 card (10% back RMN ($5/30) and 10% back amex). This doesn't incl the amex points since I don't even use those yet.

 

[Lain]

@speedyfishy -

CORRECTION: You won’t be able to get the Marriott Biz after 8/26 because you’ll have gotten the SPG Biz and SPG Lux. You’ll need to wait 24 months after your last bonus from one of these cards posted. See: https://3rjfy21znlo631twxe405qqvzc4...om/wp-content/uploads/2018/07/chase-chart.png

 

[palhockeymomof2]

I have a business card already and my account is actually a business account. I attached my personal cards to it. I cleared my cookies again and now having to call them to get back on. I'll call them in a couple days to get logged on this way it gives time for my app to process don't want to mess with that.

no it won't bypass the 2/30

Wish I only had one log in...but I had personal accounts first and they told me the business could not be done ..but this was 4 years ago

 

[SouthFayetteFan]

THANK YOU! And I will definitely get started on Reddit, and support however I can.

I feel like I'm embarking on a fun journey! I LOVE researching and making/updating spreadsheets, so I'm hoping to put that to good use!!

Here's mock strategy of what your first year could look like:
P1 is you and P2 is Husband

08/18 - P1 - CIP
11/18 - P1 - CSR/CSP double dip - so that you have a CSR and can effectively use your URs
01/19 - P2 - CIP (referred by P1)
03/19 - P1 - SW cards (1 biz / 1 personal) - earn a Companion Pass (CP)
06/19 - P2 - CSR/CSP double dip

That isn't the only way to play the game...but if you did that, you'd earn a minimum of $6,500 in URs towards flights, hotels, etc. and have over $1,600 in SW points AND a companion pass. I just wanted to give you an idea of what you could achieve in a short amount of time with 2 players. That would be over $8k in travel value back on just $30k in purchases to meet the MSRs (min. spend requirements).

I also didn't include in there using the CIC/CIU cards which you both could get that has another $3k plus in value! You don't want to go too fast at the start though - pace yourself!

 

[wendow]

That would be nice but I have an impending trip so these are decent discounts.

Walgreens is approx 17.5% off $25 card (7.5% URs redeemed thru CSR/portal, 10% back RMN).

Staples is approx 20% off $50 card (10% back RMN ($5/30) and 10% back amex). This doesn't incl the amex points since I don't even use those yet.

You are right. I'm just being greedy lol! I also was hoping if I didn't use the current offers, and thinking others would not use them either, maybe they would realize the need to give better offers back. Probably wishful thinking though!

 

[SouthFayetteFan]

@speedyfishy -

CORRECTION: You won’t be able to get the Marriott Biz after 8/26 because you’ll have gotten the SPG Biz and SPG Lux. You’ll need to wait 24 months after your last bonus from one of these cards posted. See: https://3rjfy21znlo631twxe405qqvzc4...om/wp-content/uploads/2018/07/chase-chart.png

And while this is true...CIC is still a better card than Marriott Biz LOL!