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

[mmmears]

I have some things I would like to buy at Costco, like gift cards and a TV. But I also have some AMEX SUB spend I need to do on an AMEX Business Platinum. Any advice? Buy Visa gift cards somewhere else with AMEX and then use those at Costco?

AMEX frowns on GC purchases to hit your MSR (plus it may just not count at all). Does Costco take Amex online? Otherwise, maybe someone else here has a good idea.

 

[afan]

AMEX frowns on GC purchases to hit your MSR (plus it may just not count at all). Does Costco take Amex online? Otherwise, maybe someone else here has a good idea.

I've always bought gc at the grocery store, including visa/mc, when working on amex spend.

If it's a small part of the spend and somewhere they don't see level 3 data I don't see an issue with it.

 

[punkin]

Can you apply for a Barclay's AA card if you have a Citibank AA card?

 

[StephPlum]

Can you apply for a Barclay's AA card if you have a Citibank AA card?

Yes you can. I have a personal Citi AA, business Citi AA and a Barclays AA open right now.

 

[magickingdomprincess]

If you go online. Click on this account. There are a few boxes that show up. Click on the one that says "More" and go to Card Benefits. It should show the $300 Travel Credit there. Mine says " Redeemed" as I just used it last month. Should be more info there.

Thank you! I went into DH's account and it does not say "Redeemed", it just has a link to Explore Travel. I also checked the app and I noticed that there are two tabs under Benefits - Used and Unused. Under the Unused, it shows the $300 TC and $120 Trusted traveler credit, so I think that means it has reset and the TSA credit is available.

Another question - we have a hotel booked on DH's CSR points through the UR portal. Will this be affected if we cancel the card? I would assume not but want to make sure. Is there anything else I need to consider or do before we cancel/PC? I need to either cash out or transfer his points. I'm leaning toward closing the card because he has 3 other personal cards and already has a Freedom that he could upgrade if we decide we want a CSR again.

 

[palhockeymomof2]

Thank you! I went into DH's account and it does not say "Redeemed", it just has a link to Explore Travel. I also checked the app and I noticed that there are two tabs under Benefits - Used and Unused. Under the Unused, it shows the $300 TC and $120 Trusted traveler credit, so I think that means it has reset and the TSA credit is available.

Another question - we have a hotel booked on DH's CSR points through the UR portal. Will this be affected if we cancel the card? I would assume not but want to make sure. Is there anything else I need to consider or do before we cancel/PC? I need to either cash out or transfer his points. I'm leaning toward closing the card because he has 3 other personal cards and already has a Freedom that he could upgrade if we decide we want a CSR again.

Yes that means it has reset. The reservation booked with URs will not be affected, but I’m not sure if you could access it online if you needed to cancel, may have to call Chase travel. Definitely transfer the points off the card if you are closing it.

 

[hsmamato2]

Yes that means it has reset. The reservation booked with URs will not be affected, but I’m not sure if you could access it online if you needed to cancel, may have to call Chase travel. Definitely transfer the points off the card if you are closing it.

Ok can you please help me out? I did what @magickingdomprincess did thru the app, look at benefits activity under the 'unused' tab and see $300 TC- when I click thru it then says 'redeemed'..... so how is that under the unused tab? I just want to PC this card without another AF but this wasn't so confusing last time I did it....

 

[palhockeymomof2]

Ok can you please help me out? I did what @magickingdomprincess did thru the app, look at benefits activity under the 'unused' tab and see $300 TC- when I click thru it then says 'redeemed'..... so how is that under the unused tab? I just want to PC this card without another AF but this wasn't so confusing last time I did it....

On mine app I clicked on benefit and rewards, then ultimate rewards and scrolled down and it showed I used 300 of the 300 under annual travel credit

 

[Duckbug.Ducktales]

Question for the hive mind: large co-pay coming up for a CT scan and other medical tests, will be about $1K. Use HSA or put toward current MSR?

 

[TheOneWithTheTriplets]

Question for the hive mind: large co-pay coming up for a CT scan and other medical tests, will be about $1K. Use HSA or put toward current MSR?

Have you used your benefits admin before for an HSA reimbursement? We did this once and just found it to be a total headache because the benefits admin stunk. They could neither process nor cancel a reimbursement request for weeks because it got hung up in their system. Took multiple phone calls before they acknowledged that the initial request wasn't going to go through, cancelled it, and issued a new request. It was all because of an IT issue, not any sort of poor documentation or communication on our part.

But, it *should* be a relatively easy process, especially if you're talking about one bill for $1k versus a bunch of little bills that end up totaling 1k. If it's going to be several different charges that you have to request and track individually, then obviously there's that much more annoyance involved.

Don't forget to keep original bills and payment receipts in your tax folder for the year that you are processing the reimbursement for, as you'd have to show that documentation in the case of an audit.

 

[afan]

Question for the hive mind: large co-pay coming up for a CT scan and other medical tests, will be about $1K. Use HSA or put toward current MSR?

I always use my cc and then have my hsa deposit the money to my bank. It's easier this way and I get points or it helps meet spend.

 

[StephPlum]

Question for the hive mind: large co-pay coming up for a CT scan and other medical tests, will be about $1K. Use HSA or put toward current MSR?

MSR. My strategy is to let HSA funds grow tax free as long as possible. Save your receipts and get reimbursed later once you're retired. As long as you are using for medical reimbursement, all future reimbursements are tax free. After 65, you can use as an IRA - ie only pay regular income tax on w/ds but no penalties if needed.

This strategy is good if you can afford to pay for the medical bill out of savings. I would not go into debt to use this strategy.

 

[StephPlum]

WWYD - I am in PUJ with AMEX. I have a Plat Biz mail upgrade offer. Upgrade from Gold Biz 120K MRs for 10K spend in 3 months. I think the upgrade offer is guaranteed (maybe?).

Any downside to taking the offer?