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

[StephPlum]

I fell back to 4/24 on April 26, so I applied for a CIC this morning. I waited about an hour to make sure my application had made its way into the system and then called the status line. It was saying two weeks, which I took as a good sign, but I figured the fraud alert on my credit report would need to be dealt with, so I decided to talk to a person. Total waste of time, lol. The guy was basically like I don't see anything on your application that needs follow-up (with a tone that kind of said, "why are you bothering me?"). I did confirm they will call me if the fraud alert becomes an issue. I *might* have checked the status line a couple of more times since then, and it still says two weeks. It's been over 6 months since my last Chase app, so I'm cautiously optimistic about approval. The only thing giving me pause is the potential effect of the fraud alert. Also, I decided on the CIC because I really want one in my own name in case Chase nixes household transfers (DH is the one with the CIC now). This card is a great UR earner for us. I also wanted the 50k bonus instead of just waiting to product change my CIP. I also didn't want to risk a Chase shutdown by going for CIP #2. I'm willing to chance a shutdown for DH, lol, but not for me given I have the bulk of our UR earning cards (and I was anticipating eyes on my account if I had to verify identity, etc. due to the fraud alert). If the multiple CIP loophole is still open, I might consider going for another CIP once I close mine in another 6 months or so after hitting the 1-year anniversary. Seems easier to play dumb about bonus eligibility and card rules without an open CIP sitting in my account.

I have a fraud alert on my credit as well. For Chase, I don't get called anymore. I don't get auto approved but they do approve without any contact. Maybe if you are in their system, they will somehow verify it is you and approve without talking to them. Now AMEX and Citi call for each application.

 

[pillow]

I've been in a weird space, just quietly reading along. DH had an MRI today. It should be read tomorrow. Hopefully everything is okay. This is from his recent ER visit and a CT scan that showed a little something abnormal. I am taking a vacation day Friday. I'm pretty mentally fried right now.

Conversation Starter:

Is anyone else already actively working on 2021 vacation plans? I've already got my 2020 locked in with a Disney cruise and a trip to WDW for food and wine. I've got 2021 pretty narrowed down too.

I can't talk about this in real life - people would think I was insane planning trips that far in advance. But I can't be the only one, right?

Once I'm under 5/24, I'll be actively racking up URs again and I plan on using them for either Greece or Norway.

I can never remember who posts what on here . . . was just sitting here trying to recall who was talking about Norway a few weeks ago. Daily Getaways is selling Choice points at a discount. You'd have to crunch numbers to see if its really a good deal, but it might help you with Choice Norway. Although 2021 is a long time from now . . .

https://dailygetaways.ustravel.org

As much as I love planning, I change my mind too much to plan as far out as 2021. I do have some ideas simmering though.

 

[DisneyMandC]

I've been in a weird space, just quietly reading along. DH had an MRI today. It should be read tomorrow. Hopefully everything is okay. This is from his recent ER visit and a CT scan that showed a little something abnormal. I am taking a vacation day Friday. I'm pretty mentally fried right now.

Conversation Starter:

Is anyone else already actively working on 2021 vacation plans? I've already got my 2020 locked in with a Disney cruise and a trip to WDW for food and wine. I've got 2021 pretty narrowed down too.

I can't talk about this in real life - people would think I was insane planning trips that far in advance. But I can't be the only one, right?

Once I'm under 5/24, I'll be actively racking up URs again and I plan on using them for either Greece or Norway.

Hope your DH is ok!

We don’t have much concrete for 2021 but we know we want to do another Disney trip for the 50th anniversary. I’m thinking April for F&G and whenever it’s not Easter. We’d like to do a deluxe stay again this time. We’ve checked out BC/YC and really liked them, but I’d also love to stay in WL again. Then again, we already live in a log cabin... lol.

 

[GlamMistress]

As much as I love planning, I change my mind too much to plan as far out as 2021. I do have some ideas simmering though.

I hear you. I find it oddly calming to have things sorted (or basically so). Then I usually end up adding more trips as time gets closer, ha!

 

[StephPlum]

Is anyone else already actively working on 2021 vacation plans? I've already got my 2020 locked in with a Disney cruise and a trip to WDW for food and wine. I've got 2021 pretty narrowed down too.

I can't talk about this in real life - people would think I was insane planning trips that far in advance. But I can't be the only one, right?

Once I'm under 5/24, I'll be actively racking up URs again and I plan on using them for either Greece or Norway.

People think I am crazy with planning. I have a list of places to go and it is mapped out through 2025! I am not actively working on 2021 yet. 2020 is definitely going to Glacier to do the trip I had planned last year that got postponed due to fires. Everything is basically planned, just need to book things when they open in July. I will have SW, AA and Delta to choose from on airfare though. Last time I booked airfare OOP (was reimbursed by CIP travel insurance). So with all my points I now have it will be a much cheaper trip than before.

You aren't insane, you are just extremely organized! It is a good trait to have (in my opinion!)

 

[StephPlum]

C.

 

[SouthFayetteFan]

I know we have a lot of YC/BC/BW/Swolphin fans here on the thread. Did you all see where they put the new smoking area at DHS??

This is terrible! Welcome to our guests staying at some of our most expensive resorts. Here’s a cloud of smoke!!

EDIT: so it’s not new...but I think it’s now the ONLY smoking area unfortunately so it may garner significantly more traffic

 

[wed100105]

How many times would you use the SW companion pass between July and December of this year? (ie how many SW flights will you take in the 2nd half of the year).

Only once (December 26) and possibly a second flight to Utah in September, but that's dependent on my DH's military training. That's why I am on the fence for it. We really don't have any other times that we could take off. Southwest's nearest airport for us is 3 hours away, and we already have plans for vacationing in June, July, and over Thanksgiving. I could possibly go a long weekend in October, but DH wouldn't be able to come along with me, and my oldest is only 11 years old so I can't get a card in her name to earn a second compainion pass. I have 3 kids so budgeting more trips with only 1 free ticket isn't very feasible right now. I teach, DH is full-time Air National Guard, and we farm (corn and beans) so we're pretty maxed out as it is on trips for this year. We only have Orlando next Easter break planned right now for 2020. That's because Frontier gave us all $50 vouchers for future travel that I need to book by October 29, 2019. Unfortuantely, Frontier's flight times from STL to PHX aren't very good (long layover in DEN).

However, flying Allegiant out of our home airport (first choice for this trip because our home airport is 10 minutes from our house) is currently sitting at $616 a person round trip. YIKES!

 

[Haley R]

You never know... we emailed quite a bit with our sellers because we were also buying furniture from them (another similarity!). A month before we moved in, she emailed and asked if we wanted their bedsheets and bedspread because they match the paint color. We weren't buying the bed btw. Um, no, that's weird... we decided NOT to tell them that we were repainting the bedroom because we hated the color.

My mom said, “It’s gonna be so fun to walk in there and see what all they left for you guys!”. I have a feeling they’ll leave the rug in the living room and the one under the dining room table. I seriously wouldn’t complain if they left most of their stuff. They had really nice things. We actually asked for the patio furniture and they turned that down which is funny because that was one of the least appealing things there. They must really like it. They had some AMAZING sea turtle art. I bet those things cost a fortune. They were huge

 

[Haley R]

You have had a rough time lately. Hoping everything is OK with DH.

I am still trying to make plans for THIS year! I can't even fathom doing it one year out let alone 2! I can't believe it is already May and I have nada really planned for this summer. Sad. Bits and pieces of a Yellowstone vacation, but kid's schedules are up in the air and making things difficult so losing my enthusiasm.

Our Yellowstone trip definitely isn’t happening this year.

 

[Haley R]

I know we have a lot of YC/BC/BW/Swolphin fans here on the thread. Did you all see where they put the new smoking area at DHS??

This is terrible! Welcome to our guests staying at some of our most expensive resorts. Here’s a cloud of smoke!!

View attachment 398446

Wow what a terribly placed spot. That’s like the one at pop right next to the food court

 

[Haley R]

Is there info about PNC on reddit? I’ve seen a lot of those down here so I’m wondering if that should be our local bank after we move. I don’t know anything about them

 

[calypso726]

I've been in a weird space, just quietly reading along. DH had an MRI today. It should be read tomorrow. Hopefully everything is okay. This is from his recent ER visit and a CT scan that showed a little something abnormal. I am taking a vacation day Friday. I'm pretty mentally fried right now.

Conversation Starter:

Is anyone else already actively working on 2021 vacation plans? I've already got my 2020 locked in with a Disney cruise and a trip to WDW for food and wine. I've got 2021 pretty narrowed down too.

I can't talk about this in real life - people would think I was insane planning trips that far in advance. But I can't be the only one, right?

Once I'm under 5/24, I'll be actively racking up URs again and I plan on using them for either Greece or Norway.

Hope your DH is ok.

Yes, I am always working on future vacations. 2020 I have a long weekend in Puerto Rico booked at a St. Regis while it was still 60k points. We are also planning to take my family to Aulani in 2020. I know we are planning to be on the next 3 maiden voyages and 2021 is when the next ship is supposed to be ready. Besides that I'd like to go to the D23 Expo. We went to the first 2 in 2009 and 2011 and have not been to another. I don't really want to plan anything else until the sailing dates for each maiden voyage is announced.

I hear you. I find it oddly calming to have things sorted (or basically so). Then I usually end up adding more trips as time gets closer, ha!

This is what I do constantly. Keep adding more trips.

 

[amcc]

Omg you guys! We offered the seller $150 for their tv stand because we didn’t want to transport ours. They said yes and we went back and asked for the two end tables and coffee table for $200. They said yes and would include their sectional for no additional charge!!!!!
View attachment 398371
Not a great picture but it shows the couch a little bit

Is that an IKEA sofa? If it is, we have the same one and it’s AWESOME!

 

[wanderlust7]

I've been in a weird space, just quietly reading along. DH had an MRI today. It should be read tomorrow. Hopefully everything is okay. This is from his recent ER visit and a CT scan that showed a little something abnormal. I am taking a vacation day Friday. I'm pretty mentally fried right now.

Conversation Starter:

Is anyone else already actively working on 2021 vacation plans? I've already got my 2020 locked in with a Disney cruise and a trip to WDW for food and wine. I've got 2021 pretty narrowed down too.

I can't talk about this in real life - people would think I was insane planning trips that far in advance. But I can't be the only one, right?

Once I'm under 5/24, I'll be actively racking up URs again and I plan on using them for either Greece or Norway.

Hope everything turns out okay!

I have a RCCL Alaska cruise out of Seattle booked for 2020. Have done some preliminary research on excursions and a one-way road trip back home to Northern California. 2021 I have Italy penciled in, but haven't done much research yet.

I don't tell many people my plans until it gets closer. I tell DH just to get it cleared with him. His eyes usually glaze over and it's in one ear out the other, lol. But he's usually fine with it as long as it's not too close to other trips or something that seems repetitive. I'll tell my BFF, who's a spur of the moment type gal. She usually just laughs. On the other hand, when she's a month out and doesn't have all the hotels booked, I stare at her incredulously. LOL.

People think I am crazy with planning. I have a list of places to go and it is mapped out through 2025! I am not actively working on 2021 yet. 2020 is definitely going to Glacier to do the trip I had planned last year that got postponed due to fires. Everything is basically planned, just need to book things when they open in July. I will have SW, AA and Delta to choose from on airfare though. Last time I booked airfare OOP (was reimbursed by CIP travel insurance). So with all my points I now have it will be a much cheaper trip than before.

You aren't insane, you are just extremely organized! It is a good trait to have (in my opinion!)

2025!! Thanks for making me feel not crazy.

 

[wed100105]

@GlamMistress, I'm always planning and people constantly give me weird looks or make comments about how often I travel. I don't care anymore though I do try to limit my excitment so it doesn't come across as stuck-up. I hope your DH's MRI comes back with positive news for you guys. (((HUGS)))

 

[MKTokyo]

People think I am crazy with planning. I have a list of places to go and it is mapped out through 2025! I am not actively working on 2021 yet. 2020 is definitely going to Glacier to do the trip I had planned last year that got postponed due to fires. Everything is basically planned, just need to book things when they open in July. I will have SW, AA and Delta to choose from on airfare though. Last time I booked airfare OOP (was reimbursed by CIP travel insurance). So with all my points I now have it will be a much cheaper trip than before.

You aren't insane, you are just extremely organized! It is a good trait to have (in my opinion!)

We do this too! (& then change plans six times.)

My list currently goes through 2024. I don’t think it’s crazy at all but rather helps you visualize what you’re trying to do and make a plan for it.

 

[Haley R]

Is that an IKEA sofa? If it is, we have the same one and it’s AWESOME!

I honesty have no idea but I wouldn’t be surprised. I’m very surprised that they’re giving us their whole living room set for $200 though.

 

[Haley R]

We can pay for our home inspection with a credit card. Helps our CIP MSR!!!

 

[SouthFayetteFan]

Only once (December 26) and possibly a second flight to Utah in September, but that's dependent on my DH's military training. That's why I am on the fence for it. We really don't have any other times that we could take off. Southwest's nearest airport for us is 3 hours away, and we already have plans for vacationing in June, July, and over Thanksgiving. I could possibly go a long weekend in October, but DH wouldn't be able to come along with me, and my oldest is only 11 years old so I can't get a card in her name to earn a second compainion pass. I have 3 kids so budgeting more trips with only 1 free ticket isn't very feasible right now. I teach, DH is full-time Air National Guard, and we farm (corn and beans) so we're pretty maxed out as it is on trips for this year. We only have Orlando next Easter break planned right now for 2020. That's because Frontier gave us all $50 vouchers for future travel that I need to book by October 29, 2019. Unfortuantely, Frontier's flight times from STL to PHX aren't very good (long layover in DEN).

However, flying Allegiant out of our home airport (first choice for this trip because our home airport is 10 minutes from our house) is currently sitting at $616 a person round trip. YIKES!

If you aren’t going to get a lot of use out of the CP in 2019, you may want to look to earn it in early 2020 and get good use out of it in 2020/2021. For this flight you could just transfer URs to SW to cover it. You can always earn more URs via CIP2, or CIC or CIU