I love credit cards so much!

[DisneyMandC]

There are often really good deals on sams memberships. Just keep your eyes open.

@DisneyMandC I agree with the above! Between offers and coupons from Sam's and an Amex offer, my membership was practically free (my OOP was something like $2). I buy Disney GC's from them all the time, plus I've found plenty of other items I like buying from them that Costco doesn't carry.

Yeah, I occasionally see those free memberships or discounted memberships come in the coupons and think about it. I haven't written it off. I do love Costco though, and also am generally a big fan of Costco's ethics and how they treat their employees too, so I like giving them my money

 

[elgerber]

What’s your */24 status? What cards have you gotten from all issuers, say, in the last 6 months? Do you have any Chase biz cards? What percentage is you total credit lines on cards with Chase (personal and biz) vs. total household income (or whatever you put down as income on your Chase apps).

Generally, if you’re under 5/24, haven’t been opening too many cards reported to your credit reports in the past 3-6 months, have total credit lines on your Chase cards of less than 50% of reported income (the lower the better), it shouldn’t be too hard.

Several people here have 3 Chase biz cards as a sole proprietor with a “business.” It gets tougher from there, largely because the deeper you get into churning, the more accounts and inquiries you’ll have on your credit reports, and the more credit relative to income you’ll likely get extended from Chase. At some point around or after 50%, Chase will decide they’ve extended too much credit to you; so to increase your chances at automatic (even if not instant) approval, you should proactively keep your Chase credit limits low and in check.

Are you under 5/24? That's one thing I don't remember, lol.

I will be at 4/24 in a few days, wait double checked, am actually 4/24 now. Won't apply until later in the year though.
The only cards I have opened in the last year, have all been AMEX Biz cards so they are not on my credit report. I am closing one Chase card shortly, which will free up my % of income to a reasonable number I think.

 

[Lain]

I will be at 4/24 in a few days, wait double checked, am actually 4/24 now. Won't apply until later in the year though.
The only cards I have opened in the last year, have all been AMEX Biz cards so they are not on my credit report. I am closing one Chase card shortly, which will free up my % of income to a reasonable number I think.

Awesome. You’d apply for the SW Biz at 4/24 (or lower), which won’t add to your */count, then preferably a month or more later, apply for a SW personal card. If you need any help, just loop us in when you’re ready to apply.

 

[palhockeymomof2]

You don't have to choose which one you are using. I have 4 cards linked and use the one that is best for that offer- Staples, AmEx since I did have the 10% off deal, Walgreen's FR for 5X, CVS, CIU to help meet MSR and 1.5X. Once you link the offer, you can choose any of the cards you have set-up.

Thanks...everythis is messed up with the app right now the cards I’ve had link aren’t showing up...ugh

 

[elgerber]

Awesome. You’d apply for the SW Biz at 4/24 (or lower), which won’t add to your */count, then preferably a month or more later, apply for a SW personal card. If you need any help, just loop us in when you’re ready to apply.

Thank you!

 

[wendow]

Thanks...everythis is messed up with the app right now the cards I’ve had link aren’t showing up...ugh

My linked cards are still there, but my pending cash back as well as my 'lifetime earnings' are all 'zero'ed' out. Hopefully they get it fixed soon. I was about to head out today to hit several stores but now I think I'll wait.

 

[KPK02090]

Yeah, I'm having the same issue with RMN.

Me too. Hit three of the $10 offers this morning (Walgreens, Kohls and Staples) all showed as pending, now there are no offers there.

 

[SBWB48]

The Sam's offer was only on both dh's and my Green biz card.

Same for us. Which is good since now I will have sprinkled some voluntary spend in lol.

Darn... let me just remove those offers from my card lol.

Actually, non-members CAN make purchases, but they tack on a 8-10% (?) surcharge on the purchase, so wouldn't be worth it absent some outlandish Amex offer lol.

 

[wendow]

Me too. Hit three of the $10 offers this morning (Walgreens, Kohls and Staples) all showed as pending, now there are no offers there.

Did you do a GC at Kohls?

 

[Haley R]

We went to Walgreens and cvs this morning and got gcs. None of them are showing pending anymore even though they did earlier and now our cards aren’t linked. We have been waiting because we are at staples and Home Depot. Will we still get the $10 cash back? Our cards were in our accounts like an hour ago.

 

[LuckyMamaInDE]

Me too. Hit three of the $10 offers this morning (Walgreens, Kohls and Staples) all showed as pending, now there are no offers there.

My pending $5 from Friday disappeared and my CF is no longer linked. I tried to link it again but it failed. I guess I'll wait to visit Walgreen et al until later.

 

[Haley R]

do you not have a freedom? that's what I have been using b/c it is the category for the quarter. If not, whatever you use for non-cat spending is fine.

Nope, no freedom

 

[SBWB48]

DP for those with either the $200 for $200/$50 for $150 (x3) AT&T "Business" Amex offers. I got the $200 on DH's SPG Biz and $150 offer on my ED. So far, I've done the $200/$200 by paying our personal cell phone bills via the standard AT&T site (not the small business site as stated in the offer). The credit just posted today! Still slightly shocked at a free month and a half of cell phone service Now hopefully the $150 offer works the same way! Squeeeeeee!

For those who didn't get it when DOC originally posted about the offer, you may want to check again. I didn't get it at first, checked a few days later, and both showed .

 

[Alexle2007]

I just logged onto RMN via my laptop and it looks like it is down:
Uh oh, we've got a problem here.
This is pretty uncommon — we have a temporary issue with the site.

Rest assured we're on the case and should have it fixed in a few minutes.

 

[Mopedmom1]

After having the CSP nerfed this weekend I'm trying to come up with a Plan B. I know everyone is a little (a lot) gunshy right now in giving advice but let's give it a whirl!

I am not going to do any cards in my name for at least six months. My CS dropped under 800 with all the hard pulls and my car loan this spring, and who knows what the card closure will do to it? Any thoughts? Time will tell I guess.

This leaves P2, DH. He is currently 1/24.
2/17/18 CIP
5/05/18 CSR

We (I) will PC his CIP when it comes up for renewal to either CIC or CIU.

I had a solid 2.5k+ of spend coming up in the next six weeks that I was going to put on the CSP. No way will I get a card by this Thursday to put on the lodging for me at the hospital, so I may just put that on my CSR to finish it up. It's going to be $50 a day and since it's through the hospital, hopefully it won't trigger the travel credit, thinking it's a hotel.

My dh is very set in his ways. Only likes to stay on property at Disney, no Swolphin. He prefers AS for flying. I have had the AS card for several years and won't be closing it, trying to preserve my CS, so no AS card for him. I don't want an AMEX Biz for him as I threw everything at my CSR, even paying utilities ahead, so 5k on an AMEX isn't doable.

Do I stick with Chase, trying to eke out a few more UR's? Do I run screaming because of all the recent and probably upcoming changes? Now that I have been bitten by the "bug", it's killing me to have a big insurance payment go to regular spend and not MSR.

 

[Haley R]

Probably the same source that everyone else is using but I thought the part about the ThankYou Points and Conexions was interesting.

https://milestomemories.boardingarea.com/chase-ultimate-rewards-cuts-ties-with-all-things-disney/

Makes me happy we invested in DVC this year. Of course I like to go so much that UR points were my fall back option for more trips.

On the ticket and AP voucher front I have now 5 without expiration dates 7 day PH's and 5 AP vouchers. It is so bad. I have flirted with the idea of buying more AP vouchers while they have the DVC Gold AP deal. (And I am renewing our AP's for this year anyway in December).

@Haley R your thread on December popped up on the Disboards email they send out daily as the trending thread of the day. You are a big deal!

Haha that’s funny. We aren’t even going in December anymore.

 

[Alexle2007]

DP for those with either the $200 for $200/$50 for $150 (x3) AT&T "Business" Amex offers. I got the $200 on DH's SPG Biz and $150 offer on my ED. So far, I've done the $200/$200 by paying our personal cell phone bills via the standard AT&T site (not the small business site as stated in the offer). The credit just posted today! Still slightly shocked at a free month and a half of cell phone service Now hopefully the $150 offer works the same way! Squeeeeeee!

For those who didn't get it when DOC originally posted about the offer, you may want to check again. I didn't get it at first, checked a few days later, and both showed .

I need to try this for our Internet Wi-Fi service with them. It's currently auto-paid with DH's CIC. $200 free is much better.

 

[Alexle2007]

Question, now that I have 2 charge cards with AmEx and they don't have a credit limit tied to them, how does that impact your credit score? Will it consider that you are 100% utilization on that card? Should I expect my credit score to take a hit?

 

[wendow]

DP for those with either the $200 for $200/$50 for $150 (x3) AT&T "Business" Amex offers. I got the $200 on DH's SPG Biz and $150 offer on my ED. So far, I've done the $200/$200 by paying our personal cell phone bills via the standard AT&T site (not the small business site as stated in the offer). The credit just posted today! Still slightly shocked at a free month and a half of cell phone service Now hopefully the $150 offer works the same way! Squeeeeeee!

For those who didn't get it when DOC originally posted about the offer, you may want to check again. I didn't get it at first, checked a few days later, and both showed .

I have the offer but no AT&T

 

[DisneyMandC]

DP for those with either the $200 for $200/$50 for $150 (x3) AT&T "Business" Amex offers. I got the $200 on DH's SPG Biz and $150 offer on my ED. So far, I've done the $200/$200 by paying our personal cell phone bills via the standard AT&T site (not the small business site as stated in the offer). The credit just posted today! Still slightly shocked at a free month and a half of cell phone service Now hopefully the $150 offer works the same way! Squeeeeeee!

For those who didn't get it when DOC originally posted about the offer, you may want to check again. I didn't get it at first, checked a few days later, and both showed .

Thanks! I have personal cell service with them. I think my bill just got paid last week, but I'm going to add the offer now.