I love credit cards so much! v2.0 (see first page for add'l details)

[Haley R]

Ahhh my likes received has almost caught up to my total messages. I’m positive most of them have come from here so thanks guys!

 

[SouthFayetteFan]

Add me to the list of people who now live by the mantra “Amex is dead to me, I’m rocking with Chase”. Last December, I was targeted via mail for the 10k pay over time offer. I signed up on December 2 and still don’t have my points.
I’ve chatted twice only to be told to wait up to 12 weeks. Today when I chatted I was told they “investigated” and found no offer attached to my account. This after three reps confirmed they saw it.
I went ballastic. The rep had the audacity to say they can’t manually give me the points because “they already gave me a 20,000 point retention offer”. I said those points weren’t free, I had to spend $2,000 and I just paid a $725 membership fee on my Platinum card on 2/15. Please don’t act like you gave me anything for free.

I escalated it to a supervisor who confirmed that the offer is on my account and to wait the 12 weeks. If I don’t get them by March 2, I’ll be contacting the executive office and the cpfb.

They messed with the wrong one today..lol I have every intention of canceling my bbp and blue cash ever day. Chase will get all my business going forward. I’ll transfer my existing points to JetBlue and be done with it. I’m keeping my Platinum until next year because I just paid the fee.

Although AMEX is dead to me I did keep some cards open, including BBP and BCE (and I actually took an upgrade offer to BCP). Obviously you can decide for yourself but don’t overreact and lose your 2x MR card or 3% grocery card (which can be upgraded to a 6% card) if you may want those options in the future.

EDIT: I have my wife’s BCE still open but I closed mine to free up a slot a couple years ago and really regret it at times. I wish I still had that card sometimes.

 

[Albort]

The plan for this year
Sign up Bonuses- Giftcard mall
Amex Gold 4x At grocery stores
Ebates Card I’m hoping I can get 4x MR at Giftcardmall with this.
CIP x2 trying to get $150,000 each at giftcard mall
Hyatt 15k for a free night(this is low in my list right now) I’ll try getting giftcards when I get a good deal.

ive read that this will not work... but im not sure if that excludes 3PGCs.
Ppl were talking about using a BOA card that earns 3x + MR points.

 

[speedyfishy]

ive read that this will not work... but im not sure if that excludes 3PGCs.
Ppl were talking about using a BOA card that earns 3x + MR points.

Yeah I’m not too optimistic about this but it still gets 4% cash if I use my cash earning account but idk if I’ll bother.

 

[Judique]

Yippee! Just received DS's acceptance for private school! Now I just need that CIU to arrive so I can pay the 10% deposit and facilities fee since it says I can do it electronically. That will put us close to the MSR

I hope we have luck with my granddaughter. We are trying to get her into preschool at UMd this fall. We visited the school earlier this week and I'm impressed with the program and she was able to go through the classrooms and meet the staff and she loved it.
Unfortunately she is way down on the list as currently parents with affiliations take precedence, but there is still a chance.

 

[disneedee]

I like the sound of that. This was for excursions or something like it? I can't make a payment because I used UR points for it and the remaining balance has to go on one of my UR cards. Wasn't sure if the activities group codes any different than the sales group if I called in.

Although I guess I'm over thinking it. If it doesn't work I should be able to cancel it and rebook it with the NCL card. I don't think I'm picking anything super popular to worry about a sell out.

i just did on board credit as a gift to my husband to spend. (He) didn't spend it. and it went back on the credit card that i had registered for the cruise. which was not the AX. as the trip was already paid. but the ax spend credits went against the charge for the on board credit. i did that on 2 different AX's. sorry this is so confusing. but it did work.

 

[MrPTato]

Yeah I’m not too optimistic about this but it still gets 4% cash if I use my cash earning account but idk if I’ll bother.

VGCs getting credit on ebates from GCM? I know they are on Swagbucks...but would start using ebates more.

 

[Ngwira]

Although AMEX is dead to me I did keep some cards open, including BBP and BCE (and I actually took an upgrade offer to BCP). Obviously you can decide for yourself but don’t overreact and lose your 2x MR card or 3% grocery card (which can be upgraded to a 6% card) if you may want those options in the future.

EDIT: I have my wife’s BCE still open but I closed mine to free up a slot a couple years ago and really regret it at times. I wish I still had that card sometimes.

You are correct. But yeah they pissed me off..lol

 

[SouthFayetteFan]

You are correct. But yeah they pissed me off..lol

I feel you! And I totally cancelled all of my BoA cards in a similar anger - but I also knew I wouldn’t regret or miss any of those cards (and I don’t).

IF churning ended and I had to live with everyday cards...I’d want a BBP and BCE most likely. (please never end churning...please!)

 

[kidsfirsttrip]

Got a serve card today at Walmart and did the first load using a VGC without any problems. Can’t wait to get another one for me and two for SO. Easy $20,000 MS every month. Thanks @Albort for your help.

Which VGCs work with Serve? Are you only doing WM? Think I missed the discussion

 

[elgerber]

OK, for all us people waiting for our PNC bonus, is tomorrow finally our day? Someone said theirs posted on the last Friday, and that would be tomorrow. Please, I am tired of checking and wondering.

 

[Judique]

She has new clothes all the time (and this kills me but she just buys stuff without trying it on and then never bothers to return things that don’t fit).

Hey - I donate the new stuff that doesn't fit to Goodwill! Still with tags!

Lol...I still haven't tried on 3 of the tops I got at WHBM but 2 of them fit as I wore them this week.

But, I found a bag from November in the back of my car with 6 new tops in it I got on sale when I went to Florida. Completely forgot about them but that was okay because they are lighter warmer weather tops. I'll check them out before spring and cull if need be.

These are not pricey items - I shop the sale rack and usually get plenty of value by buying classic things that go year to year and season to season with layering.

 

[speedyfishy]

VGCs getting credit on ebates from GCM? I know they are on Swagbucks...but would start using ebates more.

It’s there now but it was missing for awhile/only on MasterCard but it’s back now.

Which VGCs work with Serve? Are you only doing WM? Think I missed the discussion

I used a meta Visa card today at Walmart. Don’t have any other experience.

 

[Albort]

Which VGCs work with Serve? Are you only doing WM? Think I missed the discussion

its mostly on dischurners...

 

[SouthFayetteFan]

its mostly on dischurners...

Yeah - some of the MS discussion ends up on DISchurners because we like to keep it off the grid and it’s more advanced and not something all of us get involved in.

Tagging @kidsfirsttrip

 

[Oscar Madison]

Anyone have any thoughts if a VGC is an acceptable wedding gift?

Ask them if they prefer the gift card over nada.

 

[Oscar Madison]

He has helped many get out of debt...I don't agree with his firm anti-CC stance, but there are people who should not be using CC at all. But the generalization (his) that they are evil and everyone runs them up...just wrong.

Yeah, I love Dave. I listen to his podcast. Good motivator.

 

[Oscar Madison]

I was actually listening to a bunch of recordings from his show on Youtube yesterday and man... some of the situations people get themselves into were mind blowing to me. I mean, I have a lot of student debt. But yeesh.

I like when people call in with a huge amount of student loan debt and he asks them if they are doctors.

 

[disneybirds]

Thank you everyone for the wonderful replies!

In small farming, I think it's pretty much done this way that you write checks for your inputs. You save an exorbitant amount of money in prepaying your inputs. We paid cash for a new shed (money was from inheritance and savings). We also have to be careful in that we don't want to have our supplier see us paying using credit cards. It's small town living....

Thanks for everyone who mentioned using the pay service. I'm going to look into that because I have two large farm payments ($11,000 each) this year. We were going to pay it with a personal check to Compeer, but this may be an excellent opportunity to churn and meet minimum spending.

I have to be very careful as well with our credit. I want to maintain my excellent credit score as we plan to purchase more farms in the future.

Welcome to the thread! I know that several people recommended Plastiq. I just received a email that if you refer a business that spends $10K, then you and the referred company will each get $10K in fee free dollars to spend. That ends up being $30K in payments you could run through credit cards for $250. Since it is a targeted promotion, if you are interested you could go ahead and sign up for Plastiq to see if you get the email. Just a thought.

 

[Oscar Madison]

I've heard so many people say to do cash envelopes or carry cash for little expenses because it's harder to part with than just swiping a credit card, but I've found it to be the total opposite in my case. If I have a couple random dollars in my purse, I'm totally willing to spend that on books from Goodwill or some Starbucks or something. But swiping my credit card? Well, let me think about it because then I'm going to log this in my budget later and it will be more out of my restaurant budget so then I'll have less money freed up to go to my horse show budget line item... etc.

Then again, I am whatever the opposite of an impulse spender is. It will literally take me years to decide to purchase an item. I've wanted one of those Disney jerseys since our August 2017 trip and I still can't convince myself to spend the money on it

We did envelopes for dining and since I've been on the MSRs we definitely spend more on out to eat.