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

[gottalovepluto]

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[MickeyMouseCD524]

Idk how "biz" friendly USBank is, I can confirm Chase is very "biz" friendly. The caution I have with US Bank is they are a "relationship bank" meaning they'll look back at all your banking history with them if you want to do actual business with them. If you're just in it for the bonuses then go to town but if you do "real" business with them step lightly.

Also shopping for a new business account and I'm going to disagree with you on the Chase business account front. Personal accounts yes they're great business wise I've had awful experiences with them. They froze my account for no reason and didn't notify me in September. I had a check out to a vendor 3 months ago and they put a stop payment on it (again couldn't tell me how or why, I didn't authorize any stop payment) so the check bounced. And this month I had a transfer to a different vendor cancelled even after Chase called to verify the transfer was legitimate and once again they couldn't tell me why it was cancelled. I called the service line to ask why I was having so many issues with the account and I kid you not the rep called me stupid, and then the manager after her told me that I shouldn't even have a business account with Chase because I "don't have enough money in the account for Chase to want my business or care" so needless to say I'm looking for another bank.

 

[amalone1013]

Just got a text from DH:

I like this lounge lol

 

[gottalovepluto]

Updated tax advice here for those dealing with 2018 MR clawbacks making the case that amending a 2018 1099 would be incorrect and if you go to court against the IRS they feel you will lose based on previous cases. It looks confusing and I feel for anyone dealing with that mess.

 

[Lain]

Just got a text from DH:

I like this lounge lol

Which?

 

[gottalovepluto]

Also shopping for a new business account and I'm going to disagree with you on the Chase business account front. Personal accounts yes they're great business wise I've had awful experiences with them. They froze my account for no reason and didn't notify me in September. I had a check out to a vendor 3 months ago and they put a stop payment on it (again couldn't tell me how or why, I didn't authorize any stop payment) so the check bounced. And this month I had a transfer to a different vendor cancelled even after Chase called to verify the transfer was legitimate and once again they couldn't tell me why it was cancelled. I called the service line to ask why I was having so many issues with the account and I kid you not the rep called me stupid, and then the manager after her told me that I shouldn't even have a business account with Chase because I "don't have enough money in the account for Chase to want my business or care" so needless to say I'm looking for another bank.

You're experience is horrifying and yet it's the only one I have ever heard remotely like this. I'm sticking to my recommendation Chase is very friendly to "businesses" but you definitely need a new bank. Have you hit them up on Twitter? I would make it public and go with "@ChaseSupport I had a payment stopped on a check and when I called Chase the rep called me "stupid" & their manager then told me I "don't have enough money in the account for Chase to care about my business" it was utterly humiliating". Although it may not even be worth the effort of that considering there is no way you're sticking with them!

Sounds like you have legit business, have you looked into Wells Fargo? They don't currently have it running but sometimes they do a $500 bonus which is especially juicy if you have a pre-approval pop up for their $500 for $5k spend on their business credit card during the checking application. Also, their minimum balance is only $500 vs Chase at $1500. WF is iffy for "businesses" but if you have a legit biz call up your local branch, tell them you want to open a biz checking account and ask what documents you need to bring before you go.

 

[mmmears]

So sure enough, AA won't let me book JAL flights this far out How are you supposed to get the first or business class award tickets if they're all gone by the time AA opens up their booking for it?

I'm sorry you're struggling with this. This is exactly the issue I had with AA and trying to book a BA flight. I was trying to explain it here but I don't think I posted in a way that made it clear. I do hope you can get a flight. This is the reason I used MRs for last summer's fight home instead of my AA miles. I was concerned all the award seats would be gone but they won't let you book until their flights are available, which I think is ridiculous.

Someone may have posted this but, Safeway has buy $50 in select gift cards (not Visa/MC) get $7 off instantly. Would be nice if it works for gas cards or home improvement store cards, combined with 4x - 6x depending on your CC.

Has anyone tried this yet? It's July 10-23.

Ooh - good idea. Thanks for the head's up on this one!

 

[amalone1013]

Which?

Reno

 

[Albort]

In-store only? (Or online too?) Works on Serve?

believe its in stores only. Should work on serve but i think someone mention its $500 per day load. so i guess u can bring in 2 Serve cards and do that on opposite sides of the store?

 

[gottalovepluto]

Reno

I've hit that Escape Lounge! It is nice and new last year, pretty view of the tarmac and mountains. Only lounge in the airport. Small but it's a small airport. Food and beverages were fine when I was there at Stupid Early O'Clock last year and they had no qualms about serving a mimosa that early, love Nevada, so I definitely had no complaints

 

[Angrose]

Okay Hilton Aspire gurus and free night gurus. I know I'm not using my benefits to the best, but I'm looking to booking summer vacation w/ the kids. So I'm looking at possibly using the free nights for that and the resort credits.

The $250 resort credit can be used on the cost of the room right? As long as I book a "resort" from the Hilton resorts page.

Also does anyone know can you book your free nights to be used after the expire? Like my first free night expires in October. Can I book something now to be used in April of next year for example.

I can confirm that the $250 resort credit can be used towards the room cost. We did this over spring break and combined it with one of the AMEX spend $XXX receive $XX deals that we were each able to save on our Aspire cards.

If you're interested in a resort in SoCal, I highly recommend the Hilton Waterfront Beach Resort in Huntington Beach. It has a fun pool, it's right across from the beach and about 30min from DLR. That's where we used our resort credits.

I would also like to know about the free nights. I have one that will expire in March and I'm trying to figure out where to spend it.

 

[smallsy]

OT: have any of you ever arrived late to your resort, like midnight or later? How was the checkin process? Also how did you plan the next day? Lazy morning with afternoon/evening park plans or did you rally and just go through with a regular park day?

 

[afan]

Ok starbucks in target this is a total splurge I'm about to walk away from. I get you are alone and doing a ton of drinks but you should at least acknowledge that I'm there waiting. And yes I was petty when she fibally came over I finshed backspacing over my misspell before acknowledging her. But I used please twice so...

 

[Ngwira]

DH and I are planning a quick food and wine/ MNSSHP trip in October. The plan is to buy party tickets for MK and one day tickets for Epcot to do food and wine. What do you guys think?

So flights are booked for $22.48 out of pocket for 2 adults and 2 kids using JetBlue points and AA gift cards.

Swan was $207 a night using AAA rate. I have the Marriott Bonvoy Amex offer which will get me $40 off. Party tickets purchased using pass holder discount.

We are doing MNSSHP on Friday, October 4th. Kids will miss one day of school. We will do Food and Wine for lunch then the party that night.

Brunch at Chef Arts on Saturday the 5th then Star Wars at HS. We fly out Saturday night.

 

[Angrose]

Problem is they will still leave you with a negative balance from what I'm reading.

Well, I went ahead and transferred all our points to Hilton. I'm fine going into the red with the MRs if it comes to that. I pretty much opened all their MR earning cards last year and am now in the great closing process as all the AFs come due. I have moved on to Hilton and Bumboy.
..!

 

[kmc8826]

I got the Amex MR email while at lunch. Instead of my gold I paid for lunch with my CSR.

I need to stop and get gas on the way home from work. Goodbye Biz Gold! Hello Freedom!

45 MR's clawed back. I don't know why 45. 40 makes sense from 2 referrals from Biz Gold.

I just wish I had transferred the points already out or used them. Those of you that had consider yourself lucky.

Got the email Amex clawed back 45k MRs.

I used my own link since DH didn’t have MR cards yet and it was the 20k gold referral. Sucks.

I just hope I don’t join DH on the naughty list now!!!

Do you have any idea why 45k? That is the same as me...self referral from Biz Gold to BBP and Green. It should just be 40k.

I just tried to see how much I'm likely to get taken back by Amex...and my MR interface has changed. Noooo...It is not easy to read. I think it's looking like 20K in 2018 and 30K maybe for 2019. Oh, I wish my old interface was back-the new one is exacerbating my headache

This might make me more ruthless when it's time to cull my wallet, for sure. Amex, I love/hate you.

Oh I am culling for sure. If it is a problem they should have a system that either did not allow self referrals OR made it clear not allowed. Not the vague "gaming the system" language. I think that is BS.

 

[Lain]

Reno

The Lounge Lord abides!

 

[gottalovepluto]

The Lounge Lord abides!

Wait- do we have @amalone1013 's DH's name?! Did I miss it? How long has this been a thing?!

 

[gottalovepluto]

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[elgerber]

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