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

[CaliforniaGirl09]

For the AT&T amex offer, does the account balance need to be at $0 for it to work? My friend is ready to try it but 1) I want to hear if @CaliforniaGirl09 gets her credit and 2) I want to make sure how this works! I understand just pay $175 and wait a few days to see if it credits but just not sure how it works if there is a balance due...?

Thank you for reminding me to check. They were there! Man, easiest 10000 points ever. Clearly my cell phone bill is too much, since I used the $175 easily with no balance left

@Calfan I have my fingers crossed for you! I'm tempted myself, but I've already had 4 business cards with Chase over the past few years, and I don't want to draw attention.

 

[palhockeymomof2]

Excellent insight as always. My stats are below. Both DH and I should be good to go for another Chase biz. Originally I was going for SW biz him for CIC. With these changes I think at least one of us should go for CIP #2.

P1 - ME 5/24, back to 4/24 in 03/31
03/17 AMEX spg lux (1)
01/18 CHASE sw premier - closed (2)
01/18 CHASE sw plus - closed (3)
05/18 CHASE Marriott premier (4)
08/18 AMEX biz gold (BIZ)
08/18 AMEX biz green (BIZ)
08/18 AMEX spg (BIZ)
09/18 CHASE ink preferred (BIZ)
09/18 BARCLAY jetblue business (BIZ)
12/18 AMEX blue business preferred (BIZ)
12/18 CHASE ink cash (BIZ)
12/18 AMEX personal gold rewards (5)
02/19 CITI AA BIZ PLAT (BIZ)
*Older cards: CSR, Capitol one venture visa, cap one MasterCard, CFx2
*09/20 will be 48 months for sapphire

P2 - DH 5/24, 4/24 on 03/31/19
03/17 AMEX spg lux (au) (1)
06/17 CHASE F (pc’d from CSP) (2)
05/18 CHASE freedom unlimited (3)
06/18 CHASE Marriott (4)
08/18 AMEX spg biz (BIZ)
08/18 AMEX biz green (BIZ)
09/18 CHASE ink preferred (BIZ)
09/18 BARCLAY jetblue biz (BIZ)
12/18 BARCLAY arrival + (5)
02/19 BBP (BIZ)
Also AU on my CF,and both Cap Ones (all old)
06/21 will be 48 months from Sapphire

Long term plan is CP for DH for 20-21 but honestly with the plans we have we may fly more JetBlue anyways so it’s not as imperative. So my thoughts are I get CIP and have DH get CIC -in case there is any kick back from second CIP. Then a Chase naughty list would be better for me. Or get it for both and roll the dice. 200k more URs sounds SO nice!!

Looks like your over 3 months and your DH is 6 months since your last Chase card...since you can meet the MSRs I’d go for those 200k+ URs

 

[palhockeymomof2]

Can you wave that thing and make me lose 10 pounds??

...I’d be using it on myself if it worked

 

[SouthFayetteFan]

Quick question, I’m feeling paranoid. I got my Hilton Biz card in the mail today ( yay! ) before I even activated it I got a “ courtesy” call from Amex. They verified my phone number and household income at LEAST 3X. And then verified my employment. That was all but I’ve never had a cc call to verify those things??? Is that normal for a biz card?

There really is no level of normal with AMEX anymore...it's just varying degrees of WEIRD. On the scale of 1 - creeptastic, that one comes in at just plain weird so you're ok

 

[SouthFayetteFan]

Excellent insight as always.

Also - I can't help but thank YOU for commending my insight...Thank you...

 

[pinkxray]

I got a Chase offer for 10% back at Dunkin Donuts! Of course I just started Weight Watchers yesterday so that’s not not helpful right now.

 

[pix13dust]

There really is no level of normal with AMEX anymore...it's just varying degrees of WEIRD. On the scale of 1 - creeptastic, that one comes in at just plain weird so you're ok

Thank goodness!!! I called in sick to work today and I’m not sick - I thought maybe it was bad karma coming for me

 

[StephPlum]

Got my SW companion pass card today. Ummmh do I need to carry this around? I am not sure what to do with it.

 

[SouthFayetteFan]

Got my SW companion pass card today. Ummmh do I need to carry this around? I am not sure what to do with it.

I like to keep it on me at all times. Sometimes I'll flash it at a restaurant to see if it gets me a better table. If you're single, could make for a great pickup line: "Hey - wanna be my companion?". If things aren't going my way at any time, anywhere - I pull it out and shout "DO YOU KNOW WHO I AM" and slap the card down in front of them. At the movie theater, I ask them if it entitles me to free popcorn. At the library I pull it out and they say "sir, do you have your library card?" and I'm just like..."No, this is actually better, it's ok"

Seriously though, it means nothing, absolutely nothing!

EDIT: In case there was confusion, I don't actually carry it with me nor do I do any of the things above. If you attempt those things YMMV...

 

[DaveL]

If you look though the history of @SouthFayetteFan you will see he used to use his CP card as his profile pic for awhile.

 

[Haley R]

Oh no...Slinky!! Man, in many respects, TSL is falling to pieces at times!

https://twitter.com/fayardj/status/1105089154738728960

Oh my gosh! That poor dog. No tail and now his eye is falling out?

 

[elgerber]

.

 

[Haley R]

If you look though the history of @SouthFayetteFan you will see he used to use his CP card as his profile pic for awhile.

Why were you looking through his history....? lol

 

[DaveL]

Why were you looking through his history....? lol

@SouthFayetteFan and @Lain keep security clearance level details on all of us, just updating my records.

 

[mmmears]

Another DP on the AMEX Biz credit working for the ATT Wireless. DH got 10K points for that one, and none when he paid the home bill.

I was thinking CIC or CIU for his next card, now looking at another CIP? Only he's at 5/24 until April according to the credit karma website (and the actual credit co's) which means he has to wait. FOMO anyone?

 

[kidsfirsttrip]

It sounds like you’re waiting until April 1st to be safe from your 03/17 cards falling off. You each got a personal card in Dec and you also got a Chase biz card then. You’ll have let 3+ months pass since then so pacing looks good. You each only have gotten 3 Chase cards in the past 12 months. I think the 2nd CIP in April is absolutely safe.

Given how fast you move through MSRs I’d go for both. You want to keep getting cards (and Chase cards at that) so the sooner you can start that clock ticking with Chase the better. You could then monitor to see if people are hitting up CIP #3 with SSN or if you want to play it safer you could instead go for CIU or CIC which isn’t that much lower of a return actually.

Yes credit karma said 3/31 so waiting til 4/1. Thanks that is what I was thinking! Think I’ll go for x2 CIP #2s!!

 

[Haley R]

@SouthFayetteFan and @Lain keep security clearance level details on all of us, just updating my records.

Lol you can be the one who keeps a spreadsheet on our profile pics

 

[DaveL]

DW and I just had to give DD her flonase for the first time, She's never taken anything like it so she asked if she had to swallow it and DW said nope. Then in the most serious, deepest, very concerned voice I have heard from here she yells "THEN WHERE'S IT GO?" Lets just say neither of us could get a word out for the next five mins.

 

[SouthFayetteFan]

Thank you for this, I love that man...swoon

The slinky pic cracked me up!

And I spoke to soon on AA, got a letter today, you were not solicited blah blah blah. Well no, but there is a 60k public offer is there not? Next step, do I send them that, try to chat, message again? Thoughts?

Yeah - send them a link to that offer lol. Just keep trying - maybe try chat this time haha.

 

[elgerber]

Yeah - send them a link to they offer lol. Just keep trying - maybe try chat this time haha.

They want me to mail it, per the letter I got hahahahahaha