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

[StephPlum]

Here’s my Barclays data point. AA card in October. Just approved for Hawaiian biz card this week. It wasn’t an instant approval and a tiny CL but my biz has low revenue. Now I’ll need another card for my tax pmt.

 

[VGCgroupie]

Take my advice and don't cut it close on meeting your Amex sub spend. The numbers they are giving do not match any numbers I can come up with and it seems that I may not meet my spend and the cut off was yesterday. I completely forgot I paid my photographer via Venmo, it wasnt a lot of money but that may make me not meet the spend

 

[Duckbug.Ducktales]

Take my advice and don't cut it close on meeting your Amex sub spend. The numbers they are giving do not match any numbers I can come up with and it seems that I may not meet my spend and the cut off was yesterday. I completely forgot I paid my photographer via Venmo, it wasnt a lot of money but that may make me not meet the spend

Oh dear. PayPal as a business transaction has counted for me, I don't suppose Venmo has that option?

 

[VGCgroupie]

Oh dear. PayPal as a business transaction has counted for me, I don't suppose Venmo has that option?

No not that I recall. The kicker is its only $51.50. I spent a fair amount over the 15K, but If i subtract the Delta GC I bought via an Amex offer and 1 Disney GC of $91.99. a Pepper app GC $100 and the 2 $20 GC i bought at OD. I will be off of hitting 15K by 5 cents. They are telling me right now Im off by $357 but they are saying it doesnt include unbilled transactions but cant tell me what those transactions are, so thats why I called and she pointed out Venmo transactions wont count. Since I wasnt churning GC to meet my sub the fact that I bought a few slipped my mind.

 

[wanderlust7]

No not that I recall. The kicker is its only $51.50. I spent a fair amount over the 15K, but If i subtract the Delta GC I bought via an Amex offer and 1 Disney GC of $91.99. a Pepper app GC $100 and the 2 $20 GC i bought at OD. I will be off of hitting 15K by 5 cents. They are telling me right now Im off by $357 but they are saying it doesnt include unbilled transactions but cant tell me what those transactions are, so thats why I called and she pointed out Venmo transactions wont count. Since I wasnt churning GC to meet my sub the fact that I bought a few slipped my mind.

I've heard about the Amex agents being wrong with the amount. Makes me think maybe they're adding it up manually.

Did the transactions you mentioned earn points? If it earned points, it should count towards MSR. There is clawback risk, but I think it tends to be larger amounts.

 

[VGCgroupie]

I've heard about the Amex agents being wrong with the amount. Makes me think maybe they're adding it up manually.

Did the transactions you mentioned earn points? If it earned points, it should count towards MSR. There is clawback risk, but I think it tends to be larger amounts.

Everything earned points except the $51 venmo transaction. I just wish I could get the numbers to match but I cannot.

 

[Duckbug.Ducktales]

I've heard about the Amex agents being wrong with the amount. Makes me think maybe they're adding it up manually.

Did the transactions you mentioned earn points? If it earned points, it should count towards MSR. There is clawback risk, but I think it tends to be larger amounts.

Though Amex Business gift cards count, according to DoC, but don't earn MRs

 

[Duckbug.Ducktales]

Everything earned points except the $51 venmo transaction. I just wish I could get the numbers to match but I cannot.

The agents make strange calculations in my experience. It sounds like it's just the small Venmo transaction, then. I feel like you will be fine. I have bought occasional third party GCs without issue.

 

[VGCgroupie]

The agents make strange calculations in my experience. It sounds like it's just the small Venmo transaction, then. I feel like you will be fine. I have bought occasional third party GCs without issue.

My last posted transaction was 11/02. So I would think everything would be in the total. The girl on the phone gave me the same number as the chat. But neither one could tell me if yes it included all charges posted through 11/02.

I will just be over here biting my nails until my statement closes. I made a bunch of charges today hoping that if I have to fight for it I have more spend on the card.

 

[wanderlust7]

My last posted transaction was 11/02. So I would think everything would be in the total. The girl on the phone gave me the same number as the chat. But neither one could tell me if yes it included all charges posted through 11/02.

I will just be over here biting my nails until my statement closes. I made a bunch of charges today hoping that if I have to fight for it I have more spend on the card.

Amex SUBs don't depend on the statement closing. Sometimes it can be as fast as the transaction posting. About a week is normal. But sometimes it can lag.

 

[VGCgroupie]

Amex SUBs don't depend on the statement closing. Sometimes it can be as fast as the transaction posting. About a week is normal. But sometimes it can lag.

Thanks for all your knowledge. If only Amex reps were. The chat rep said nothing since Aug 4 was counting, I was like yeah that’s not possible.

 

[wanderlust7]

Thanks for all your knowledge. If only Amex reps were. The chat rep said nothing since Aug 4 was counting, I was like yeah that’s not possible.

If you asked a rep, they would say the SUB will post in 8-12 weeks, which is what the terms say.

 

[FreeDiningFanatic]

My last posted transaction was 11/02. So I would think everything would be in the total. The girl on the phone gave me the same number as the chat. But neither one could tell me if yes it included all charges posted through 11/02.

I will just be over here biting my nails until my statement closes. I made a bunch of charges today hoping that if I have to fight for it I have more spend on the card.

What date were you approved for the card? and is the MSR 3 months?

 

[VGCgroupie]

What date were you approved for the card? and is the MSR 3 months?

Yes 3 months. Aug 3rd. Chat said I had til Nov 4 but phone call said Nov 3.

 

[FreeDiningFanatic]

Yes 3 months. Aug 3rd. Chat said I had til Nov 4 but phone call said Nov 3.

I think you've provided a good warning. I'm optimistic you'll get it though. Keep us updated.