I love credit cards so much! v6.0 - 2023 (see first page for add'l details)

[magickingdomprincess]

DD has 15% back at Office Depot on her Disney Premier. I have it on none of mine :-(

Wow, I've never seen 15%, only 5 and 10%.

 

[Twilghtsprkle]

Wow, I've never seen 15%, only 5 and 10%.

I have the 15% on my relatively new CSP, but no Office Depots near me. Actually the new CSP is getting a lot better offers than my older Chase cards.

 

[djmeredith]

Has anyone tried to use the Amex Plat Equinox benefit on spa services? Read a bunch of mixed dps over at FM, but wanted to see if anyone here has actually tried it?

Seems the steps are:
Enroll for 7 day Equinox+ free trial (if that's still a thing)
Amex enrollment (usual benefit enrollment steps)
Book appt online using Amex payment card; billed after service

I haven't tried it, but I read on Reddit that you don't even have to sign up for the free trial. Supposedly anyone can use spa services, even non-members.

 

[wisconsinmom]

If DH downgrades his CSP from 7/2020 to a Freedom, how long until he could apply for a new CSP? Could he squeeze it in by 11/14?

 

[elgerber]

Wow, I've never seen 15%, only 5 and 10%.

DH and I have 15 cards between us, and we don't have it on a single card! Now I have to find a time to drag DD to Office Depot (and Lowes, she has the $50 on $200 on her Amex). She apparently gets all the good stuff.

 

[Duckbug.Ducktales]

DH and I have 15 cards between us, and we don't have it on a single card! Now I have to find a time to drag DD to Office Depot (and Lowes, she has the $50 on $200 on her Amex). She apparently gets all the good stuff

Maybe you could just borrow her card for a day?

 

[elgerber]

Maybe you could just borrow her card for a day?

The OD offer I am sure I could, but I have been asked for ID before at Lowes, when buying gift cards.

 

[hsmamato2]

Are you clicking into ‘promo codes, rewards, & gift cards’? Scroll down and the $10 should be there with an apply button.

thanks - when I look on acct I can click on rewards,and that's all I see- and nothing is there

 

[Psychodisney]

Wow, I've never seen 15%, only 5 and 10%.

I was excited until I saw "up to $10". I got 1, DH 0.

 

[elgerber]

I was excited until I saw "up to $10". I got 1, DH 0.

Haha I didn’t even look at the max

 

[reliev]

Lots of fun travel hacking/churner failures today:

• Missed another renewal fee cancellation window (second this year). Need to be more diligent on these. Any tips? I feel like calendaring is hard bc I never know when they'll actually post
• Looks like our spring break Costa Rica trip is falling apart, as it seems cancellations are coming out from the WA Costa Rica pushing back its opening
• Flew too close to the sun with SW dummy flight and had a flight auto cancelled for being the same day as another flight (it arrived at 12:25am, which technically made it the same day). No harm, but would have been bad if the flight the day before (which I actually needed) was the one that had gotten cancelled.
• Ran into Citi's ridiculous fraud alerts at Home Goods. Trip 1: ran into fraud alert, couldn't resolve onsite, placed items on hold Trip 2: paid for items on hold Trip 3: Came back to pay for items that I put in my shoulder tote bag during checkout before Trip 1's fraud alert commotion. Other items were large and unwieldy, these were small and went right into my bag after she scanned them. Didn't realize until after Trip 2 they weren't in the hold items and then realized that I'd essentially stole them on Trip 1.
• A Hilton Be My Guest certificate I was promised from September never arrived, so I have to go back to the drawing board with them on it.

i use google task + calendar event + family calendar event

 

[VGCgroupie]

DH and I have 15 cards between us, and we don't have it on a single card! Now I have to find a time to drag DD to Office Depot (and Lowes, she has the $50 on $200 on her Amex). She apparently gets all the good stuff.

No dice for me on any of the plethora of cards we have.

 

[palhockeymomof2]

If DH downgrades his CSP from 7/2020 to a Freedom, how long until he could apply for a new CSP? Could he squeeze it in by 11/14?

The recommendation is to wait 3-4 days…so if he called today to PC hopefully it would work

 

[NewbieMom]

I need to buy about $10k in college gift cards before the end of the year. What card (combo of cards) do you all think would be safest to put this on? Ideally, it would be on a card I'm working on SUB for but those may be risky: USB altitude connect, Amex gold and biz plat. I could also put it on an existing Hilton surpass to try to meet the 15k FNC. Unfortunately no chase, I think they're the most lenient with gcs. Any other suggestions? Open to getting a new card as well, but I need to take a chase break.

 

[havaneselover]

Used my csr dash pass credit for the first time. Wegman’s had 40% off $60.

 

[KPK02090]

I currently have three open Chase Biz cards:
Jan 2024 CIC
May 2024 CIP
Aug 2024 CIP
And I've closed 3 chase biz cards in 2024.
Nov 2022 CIC - closed Mar 2024
Feb 2023 CIU - closed Aug 2024
Oct 2023 CIU - closed Oct-24
I was hoping to go for SW CP by opening a biz card now and a personal in Jan or Feb (I'm 3/24). I have a tuition spend due end of December so really want something to put that on. Based on recent denials I'm not feeling good about my chances of approval. But I'd love to know what you guys think.

 

[Judique]

Haha I didn’t even look at the max

I only got it on my CIC...10% and up to $10. It's a bit of a drive so I'll probably skip it. I didn't mind the drive when I used to get it on 6 cards at a time.

 

[wanderlust7]

I currently have three open Chase Biz cards:
Jan 2024 CIC
May 2024 CIP
Aug 2024 CIP
And I've closed 3 chase biz cards in 2024.
Nov 2022 CIC - closed Mar 2024
Feb 2023 CIU - closed Aug 2024
Oct 2023 CIU - closed Oct-24
I was hoping to go for SW CP by opening a biz card now and a personal in Jan or Feb (I'm 3/24). I have a tuition spend due end of December so really want something to put that on. Based on recent denials I'm not feeling good about my chances of approval. But I'd love to know what you guys think.

I think your chances might be better if you swap the order. Personal SW now, close the CIC after a year is up, wait a bit then the SW biz.

 

[palhockeymomof2]

I currently have three open Chase Biz cards:
Jan 2024 CIC
May 2024 CIP
Aug 2024 CIP
And I've closed 3 chase biz cards in 2024.
Nov 2022 CIC - closed Mar 2024
Feb 2023 CIU - closed Aug 2024
Oct 2023 CIU - closed Oct-24
I was hoping to go for SW CP by opening a biz card now and a personal in Jan or Feb (I'm 3/24). I have a tuition spend due end of December so really want something to put that on. Based on recent denials I'm not feeling good about my chances of approval. But I'd love to know what you guys think.

If you have been putting spend on the cards I’d say try for the SW Business ….if you don’t get approved you can then apply for the personal.

 

[FreeDiningFanatic]

Coming back to report my outcome to help others. I received my first denial.

Chase called yesterday and I answered. They asked basic questions about the business, income, and why I wanted a new card after closing 2. After answering she came back and said I was denied and would get a letter. The letter posted today and the reasons are:

Too many active accounts or too much available credit.
Too many recent requests for credit.

It did not say anything about closing accounts recently. I'm sure it was either the 3 open business cards or the available credit or both. My current limit is below 50% of income but close to the $75K figure. I wanted to lower it more but ran out of time. I know it isn't too many recent requests for credit because I only have 2 in the last 12 months and both are Chase: SW Performance Biz on 11/15/23 and SW Premier Biz on 1/22/24.

I had 2 green star approved offers in my Chase account before I applied: Ink Preferred and Ink Premier. Today they are still there and there is a new one, Ink Unlimited. I need to look at what other cards we might want to get and make a plan then I might try one of the green star offers. If I go with a green star offer I will report the outcome. Like others here I cannot believe how quickly we go through the MSR's. We are working on DD's Business Gold but it will be time for a new card before you know it. She just got it but we have already met half the spend with a vet bill.

Thanks for sharing such a thorough data point. It's definitely not a velocity issue, like you said. You're coming up on being able to close the SW Perf biz. I'd also lower those credit limits, like you mentioned.

Upthread someone mentioned needing to wait 30 days between biz card apps. I'd be torn between going for a green star and going for a support offer, if I had to wait 30 days.