I love credit cards so much! v3.0 (see first page for add'l details)

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Oh yeah, forgot to comment on the Call of the Wild in my last post LOL, yeah, the CGI looks pretty darn bad, not sure why they couldn't do better. BUT, I have loved Harrison Ford since I first laid eyes on Han Solo in 1977, so....
pet peeve of the week...CGI animals. paw::headache: I don't watch many movies or shows with these.... I got thru about 3 minutes of Lady and the Tramp before shutting it off (!!!) never bothered with the new lion King.... rant over....
 
I worked in veterinary medicine for years and I still don’t like those movies. I recall as a kid not being emotional at movies. I never cried (still rarely do) and they didn’t affect me much. Until I saw ”Benji”. It was a dog movie back in the 70’s. One of the bad guys kicked a little dog who yelped and went flying across the room, and lay there still. I didn’t bawl, but definitely tears rolled. Obviously affected me since I still recall it 50 years later.
I remember that movie!!!!! I was a true Benji fan back in the day.... my parents kind of ruined it for me by telling me that Tiffany (the kicked dog) was actually a boy dog playing his girlfriend... :rotfl2: the dog opening the pudding cups still sticks in my mind as cinematic greatness....
 
To all those that can or will watch dog movies, have you watched the Kitbull short on Disney+? It was only like 6 minutes but it got me!! It was a good one. I think it recently won some awards.
Kitbull.... :love: :sad: actually made me cry..... it was heartbreaking.... and so beautiful and simple all at once..... (and I used to foster the worlds most special pittie dog that has since passed away:sad1:) and the cat in this is so spot-on catlike (I :love:cats!) it's on youtube too
 
Newbie here. Question about the biz cards. Both hubby and I are self-employed but very small businesses. I see a lot of business cc offers but honestly would never make the spend limits on business items. What can you charge on a business credit card?

Many of us have small businesses. A lot of us sell on eBay, Amazon, or Facebook on the side. Some of us are independent contractors, do photography, tutor, babysit, or dog walk/sit for extra money, etc. Some do Uber, Lyft, or DoorDash. Those are all businesses that qualify for business credit cards. I'd say many of us have annual business revenue in only the four-digits, maybe a little more, and many banks are eager to approve you if you've otherwise got good personal (household) income and credit, since the cardholder is personally liable for the charges on the business card. As for meeting the minimum spending requirement on a business card, practically speaking, you can charge just about anything onto a business credit card. On the one hand, issuing banks will almost never "audit" your spending to make sure they're purely business spend; and on the other, you can find a business rationale for almost any charge. However, you will find disclaimers on business credit card agreements that the card is intended to be used for only business purchases because the CARD (Credit Card Accountability Responsibility and Disclosure) Act and other consumer protection laws apply only to personal credit cards, not business cards, and you may not find the same kind or level of benefits or protections for your purchases or travel if you charge it to your business card.
 
UR portal has a section for cruises. u can use the CSP, redeem 1 UR point at 1.25% rate.
alternatively but no ideal, book a cruise anywhere you like while charging it to the CSP, redeem UR points back to statement credit.

edit: or... For cruise information, call us at 1-855-234-2542.
Tell me...how can I use URs to pay for a cruise? I have the CSP and not looking to get another card at this point.
I'm no expert but I just booked recently using UR.... I did my own research,found a cruise I wanted,and called in,asked to book it. I had it all written in front of me so I knew exactly the cost,and the UR's it would cost. I'm so excited to be cruising for 12 days!!
 
Hey all. My kiddo woke me up way too early so I thought I’d use this time to (try to) catch up.

I haven’t been around much because I’ve been busy, but also so exhausted. The long weekend didn’t really help, despite staying local, what with spending time with the kiddo and trying (finally) to get our home in order for the new year. Is it still only January?

The churn goes on!

I finished my CS Platinum and Hilton Aspire MSRs way too quickly, and both SUBs posted promptly. I got a 20k MR/$2k MSR retention offer on my Gold, despite spending over $30k on its 4x categories last year. Not great, but not bad considering it’s a card I’m keeping anyway. I guess the takeaway is spend, but don’t spend too much on only the bonus categories? I’m taking the MSR on my Biz Platinum a little more slowly, and spending organically where it makes sense on the rest of my Amex cards to keep the pop ups away. Meanwhile, DW is on her way to building up her MR balance. She finished the MSR on her 45k MR Green and we used the Away credit to get a blush pink carry on for DD that she happily wheeled around on our trip to Hawaii. DW also finished up her 25k MR Biz Green and picked up the tiered 75k MR Biz Gold recently. DW also got the Hyatt card, and I plan to get my own sometime after I get back under 5/24. It’ll be a long couple of months until then.

On redemptions, I don’t know if it’s premature to say, but we bought DVC at Aulani. We’re still doing the paperwork and the balance isn’t due for a few weeks, but yeah, we've got our DVC account and points and – it’s happening!

giphy.gif


This is something DW and I had thought about for years, but the timing or budget never seemed right. Meanwhile, we’ve spent some part of our last four holidays at Aulani as well as an impromptu trip there last October, and too many thousands of dollars on Disney Gift Cards. And we’ll likely keep returning to Aulani as long as we continue to visit family in Hawaii. It just made sense. And it really is our happy place. We looked into resale, and we took a tour while at Aulani (and scored $150 in Disney Gift Cards), and in the end we felt more comfortable buying direct and adding on via resale later. And hey, we'll get a "blue card"! Although we’re probably getting a little more than half the value going direct vs. resale, being comfortable with the purchase was important, and we’ll get the 2019 UY points that we've noticed are [along with 2020 UY] often stripped from a lot of contracts on the resale market, and that gives us some time to find a resale contract that’ll work as an add-on. We just had to make the money work. So I’ve cashed out 1.2 million MR and 500k UR to fund our purchase, and we don’t have to worry about anything out of pocket or when we'll "break even." We’ll hit several MSRs with this purchase, and pay for it with cash from points. It’s a tidy circle.

I never thought about using credit card rewards to buy DVC, but then @hulagirl put the thought into my head. Thank you for the inception, @hulagirl.

giphy.gif


And special thanks to @calypso726, @3 DD love princesses, @PolyRob, @speedyfishy, @wendow, @kmc8826, @striker1064, @vanjust14, @bernina, and anyone else I might’ve missed for all the encouragement and advice along the way.

I was looking at award space on United for next Christmas over the weekend, and wow dynamic pricing is really in effect. Last year, I was able to book saver award seats to HNL for 22.5k miles per person, each way. This year, economy saver awards are running 45k miles per person, each way. I think I’m going to have to try a different approach this year.

But hey, while I was clicking around United’s schedule, I noticed I could fly my family to Japan over Thanksgiving week for 35k miles per person, each way. So I’m going to! (I think we’re going to be in Japan while @ten6mom is still there!) It’s crazy to think United will fly us all the way to Japan for fewer miles than it would take to fly to Hawaii. But here we are. So a little past midnight, with my ladies asleep, I made a snap decision to forego our family tradition of spending Thanksgiving at Disneyland and taking the family to Tokyo instead. If we spend Thanksgiving Day at Tokyo Disneyland, that still counts right? Anyway, I booked our flights using United miles. Sadly, no lie flat seats for us. I’m flying a family of 3 and have a little redshirt who’s not in the game yet, so I need to budget our points and miles. I’ll be using my airline fee credits to bump us up to Economy+. I transferred some UR over to Hyatt and booked three nights at the Andaz Toranomon Hills for 30k/night. I used Hilton points, and booked three more nights at the Hilton Tokyo Bay for 80k/night. I need to math that last one out. Anyway, it’s an amazing feeling to have planned all this out in less than two hours, and very humbling to realize I have the points and miles to do all of this. I ran all this by DW in the morning, and she eagerly agreed it was a good change of pace. But before then, it was 2 a.m., and like my man Ted Mosby said,

9cMjC28.jpg

Keep on churning on!
Congratulations!!! So exciting!
 
Have you booked a cruise on RCCL using URs? Do you call Chase and pay deposit on credit card (CSR in this case) and then close to paid in full date you call and make final payment using URs? I'm thinking of asking for refundable deposit and just paying it all off in URs including deposit.Deposit is $1000 so I'd like the benefit of redeeming at 1.5x points on that too.

The first time you make a payment with Chase is your only opportunity to use UR, so all the UR you want to use has to be used at that time. If you want to use UR on the deposit, you'll have to make your full UR payment at booking with Chase. If you don't have enough UR to pay off the cruise then you can make cash payment later. But once you use UR you can't make another UR payment. (I tried, they said no :p)

That's why some of us made deposits directly with the cruise line and transferred so we could push out when we needed to pay with UR. If you want to use UR as the deposit, then you'll have to book directly with Chase. This is a Chase/Connextions thing regardless of cruise line, so if you want to see if they have changed policy you could give the cruise department a call first - 1-855-234-2542.
 
We sail mostly on Carnival and love it. Kids are now 20 and 18 but have been cruising since they were 8 and 6. Have also been on RCCL and NCL (long time ago). I really think they are all very similar in ways. We have had no issues with Carnival at all and kids prefer we cruise them. (and normally cheaper but not always - depends on the ship and time of year)

Going on RCCL Oasis this December but was considering changing to Carnivals New Ship Mardi Gras. Not sure yet.

There are so many options and sometimes we cruise for the ship - other times we cruise for the ports. (and sometimes we cruise for whatever is cheapest) All depends on what you are looking for. If you have a specific time frame in mind - I usually go to cruisesonly dot com and input my criteria. It will then list all the different ships and itineraries that is available - then I start researching...
Glad to hear this! We sail on Carnival next fall/winter.... and since it's a long sailing,I'm hoping it attracts only older (calmer) folks! I've heard good and bad about most of the lines, but this was a deal that I couldn't pass up....
 
Fly in to Reagan National Airport(DCA). There is a metro train stop right at the airport so you don't have to mess with any type of bus transportation like at BWI. The Hyatt Place National Mall and White house both have Metro station close by so you get on the metro at the airport and get off close to your hotel. It really can't be any easier than that. The DC metro is really safe. Grand Hyatt Washington will have a little bit more walking to the mall area but more shops and restaurants nearby.
Holiday Inn Washington Capitol is also a nice hotel right next to the museums and close to a metro station.
Thank you, this is the information I was needing. I think I'm leaning towards HP National Mall. There are 5 of us so that free breakfast makes a big difference.
If you plan on only doing stuff in DC there's no reason for a car, use the metro and your feet because most of it is walking distance apart or from a metro station. If you plan on going out to Udvar Hazy air & space museum, mt vernon etc you'd want a car but only for the day you do it. We drove up from NC and aside from the drive to the mall to meet my BFF for dinner we didn't drive anywhere. I've done the metro solo, with my mom and with friends and never had issues, it's easy to understand and transfer between.

You'll want to fly into Regan, it's an easy airport to navigate and is smaller than dulles. I've done all 3 though I've only flown into BWI and out of Dulles, RT from Regan. The drive from BWI isn't fun and I wasn't even going to the district but to dulles. Split a week between charlotte and DC to visit friends and it was cheaper to fly from CLT to BWI and rent a one way SUV to drop at Dulles where my BFF could pick me up than it was to fly into either Dulles or Reagan, but from Seattle when I go it's always through Reagan or Dulles and my BFF generally flies out of Dulles the most often, then BWI and rarely, if ever Reagan.
We definitely want to avoid getting a rental. DCA it is.
You've gotten some good advice already, I just wanted to point out you should specifically avoid the Hyatt Place Washington DC/US Capitol on New York Ave. While it too is close to a metro station, it's not the best area. The aforementioned Grand Hyatt is probably the best located downtown, right around the block from the Metro Center station.

Thanks for the info on which to avoid.
The Metro Center stop is actually linked inside the Grand Hyatt building. This is probably the best location for proximity to a metro stop, you don't even have to go outside. The hotel itself was alright. No free breakfast and it was loud. I had rooms pretty high up and facing the outside and I couldn't believe how loud the street noise was. @DisneyMandC had atrium facing room and also said it was loud.

Free breakfast is a must so I'm glad you don't necessarily recommend the Grand.

I was really hoping for an indoor pool, but it looks like the only HP with indoor pool Georgetown but that seems like it's away from all the main attractions.
 
Hey all. My kiddo woke me up way too early so I thought I’d use this time to (try to) catch up.

I haven’t been around much because I’ve been busy, but also so exhausted. The long weekend didn’t really help, despite staying local, what with spending time with the kiddo and trying (finally) to get our home in order for the new year. Is it still only January?

The churn goes on!

I finished my CS Platinum and Hilton Aspire MSRs way too quickly, and both SUBs posted promptly. I got a 20k MR/$2k MSR retention offer on my Gold, despite spending over $30k on its 4x categories last year. Not great, but not bad considering it’s a card I’m keeping anyway. I guess the takeaway is spend, but don’t spend too much on only the bonus categories? I’m taking the MSR on my Biz Platinum a little more slowly, and spending organically where it makes sense on the rest of my Amex cards to keep the pop ups away. Meanwhile, DW is on her way to building up her MR balance. She finished the MSR on her 45k MR Green and we used the Away credit to get a blush pink carry on for DD that she happily wheeled around on our trip to Hawaii. DW also finished up her 25k MR Biz Green and picked up the tiered 75k MR Biz Gold recently. DW also got the Hyatt card, and I plan to get my own sometime after I get back under 5/24. It’ll be a long couple of months until then.

On redemptions, I don’t know if it’s premature to say, but we bought DVC at Aulani. We’re still doing the paperwork and the balance isn’t due for a few weeks, but yeah, we've got our DVC account and points and – it’s happening!

giphy.gif


This is something DW and I had thought about for years, but the timing or budget never seemed right. Meanwhile, we’ve spent some part of our last four holidays at Aulani as well as an impromptu trip there last October, and too many thousands of dollars on Disney Gift Cards. And we’ll likely keep returning to Aulani as long as we continue to visit family in Hawaii. It just made sense. And it really is our happy place. We looked into resale, and we took a tour while at Aulani (and scored $150 in Disney Gift Cards), and in the end we felt more comfortable buying direct and adding on via resale later. And hey, we'll get a "blue card"! Although we’re probably getting a little more than half the value going direct vs. resale, being comfortable with the purchase was important, and we’ll get the 2019 UY points that we've noticed are [along with 2020 UY] often stripped from a lot of contracts on the resale market, and that gives us some time to find a resale contract that’ll work as an add-on. We just had to make the money work. So I’ve cashed out 1.2 million MR and 500k UR to fund our purchase, and we don’t have to worry about anything out of pocket or when we'll "break even." We’ll hit several MSRs with this purchase, and pay for it with cash from points. It’s a tidy circle.

I never thought about using credit card rewards to buy DVC, but then @hulagirl put the thought into my head. Thank you for the inception, @hulagirl.

giphy.gif


And special thanks to @calypso726, @3 DD love princesses, @PolyRob, @speedyfishy, @wendow, @kmc8826, @striker1064, @vanjust14, @bernina, and anyone else I might’ve missed for all the encouragement and advice along the way.

I was looking at award space on United for next Christmas over the weekend, and wow dynamic pricing is really in effect. Last year, I was able to book saver award seats to HNL for 22.5k miles per person, each way. This year, economy saver awards are running 45k miles per person, each way. I think I’m going to have to try a different approach this year.

But hey, while I was clicking around United’s schedule, I noticed I could fly my family to Japan over Thanksgiving week for 35k miles per person, each way. So I’m going to! (I think we’re going to be in Japan while @ten6mom is still there!) It’s crazy to think United will fly us all the way to Japan for fewer miles than it would take to fly to Hawaii. But here we are. So a little past midnight, with my ladies asleep, I made a snap decision to forego our family tradition of spending Thanksgiving at Disneyland and taking the family to Tokyo instead. If we spend Thanksgiving Day at Tokyo Disneyland, that still counts right? Anyway, I booked our flights using United miles. Sadly, no lie flat seats for us. I’m flying a family of 3 and have a little redshirt who’s not in the game yet, so I need to budget our points and miles. I’ll be using my airline fee credits to bump us up to Economy+. I transferred some UR over to Hyatt and booked three nights at the Andaz Toranomon Hills for 30k/night. I used Hilton points, and booked three more nights at the Hilton Tokyo Bay for 80k/night. I need to math that last one out. Anyway, it’s an amazing feeling to have planned all this out in less than two hours, and very humbling to realize I have the points and miles to do all of this. I ran all this by DW in the morning, and she eagerly agreed it was a good change of pace. But before then, it was 2 a.m., and like my man Ted Mosby said,

9cMjC28.jpg

Keep on churning on!
Welcome Home fellow Aulani DVC member! Congratulations!
 
Hey all. My kiddo woke me up way too early so I thought I’d use this time to (try to) catch up.

I haven’t been around much because I’ve been busy, but also so exhausted. The long weekend didn’t really help, despite staying local, what with spending time with the kiddo and trying (finally) to get our home in order for the new year. Is it still only January?

The churn goes on!

I finished my CS Platinum and Hilton Aspire MSRs way too quickly, and both SUBs posted promptly. I got a 20k MR/$2k MSR retention offer on my Gold, despite spending over $30k on its 4x categories last year. Not great, but not bad considering it’s a card I’m keeping anyway. I guess the takeaway is spend, but don’t spend too much on only the bonus categories? I’m taking the MSR on my Biz Platinum a little more slowly, and spending organically where it makes sense on the rest of my Amex cards to keep the pop ups away. Meanwhile, DW is on her way to building up her MR balance. She finished the MSR on her 45k MR Green and we used the Away credit to get a blush pink carry on for DD that she happily wheeled around on our trip to Hawaii. DW also finished up her 25k MR Biz Green and picked up the tiered 75k MR Biz Gold recently. DW also got the Hyatt card, and I plan to get my own sometime after I get back under 5/24. It’ll be a long couple of months until then.

On redemptions, I don’t know if it’s premature to say, but we bought DVC at Aulani. We’re still doing the paperwork and the balance isn’t due for a few weeks, but yeah, we've got our DVC account and points and – it’s happening!

giphy.gif


This is something DW and I had thought about for years, but the timing or budget never seemed right. Meanwhile, we’ve spent some part of our last four holidays at Aulani as well as an impromptu trip there last October, and too many thousands of dollars on Disney Gift Cards. And we’ll likely keep returning to Aulani as long as we continue to visit family in Hawaii. It just made sense. And it really is our happy place. We looked into resale, and we took a tour while at Aulani (and scored $150 in Disney Gift Cards), and in the end we felt more comfortable buying direct and adding on via resale later. And hey, we'll get a "blue card"! Although we’re probably getting a little more than half the value going direct vs. resale, being comfortable with the purchase was important, and we’ll get the 2019 UY points that we've noticed are [along with 2020 UY] often stripped from a lot of contracts on the resale market, and that gives us some time to find a resale contract that’ll work as an add-on. We just had to make the money work. So I’ve cashed out 1.2 million MR and 500k UR to fund our purchase, and we don’t have to worry about anything out of pocket or when we'll "break even." We’ll hit several MSRs with this purchase, and pay for it with cash from points. It’s a tidy circle.

I never thought about using credit card rewards to buy DVC, but then @hulagirl put the thought into my head. Thank you for the inception, @hulagirl.

giphy.gif


And special thanks to @calypso726, @3 DD love princesses, @PolyRob, @speedyfishy, @wendow, @kmc8826, @striker1064, @vanjust14, @bernina, and anyone else I might’ve missed for all the encouragement and advice along the way.

I was looking at award space on United for next Christmas over the weekend, and wow dynamic pricing is really in effect. Last year, I was able to book saver award seats to HNL for 22.5k miles per person, each way. This year, economy saver awards are running 45k miles per person, each way. I think I’m going to have to try a different approach this year.

But hey, while I was clicking around United’s schedule, I noticed I could fly my family to Japan over Thanksgiving week for 35k miles per person, each way. So I’m going to! (I think we’re going to be in Japan while @ten6mom is still there!) It’s crazy to think United will fly us all the way to Japan for fewer miles than it would take to fly to Hawaii. But here we are. So a little past midnight, with my ladies asleep, I made a snap decision to forego our family tradition of spending Thanksgiving at Disneyland and taking the family to Tokyo instead. If we spend Thanksgiving Day at Tokyo Disneyland, that still counts right? Anyway, I booked our flights using United miles. Sadly, no lie flat seats for us. I’m flying a family of 3 and have a little redshirt who’s not in the game yet, so I need to budget our points and miles. I’ll be using my airline fee credits to bump us up to Economy+. I transferred some UR over to Hyatt and booked three nights at the Andaz Toranomon Hills for 30k/night. I used Hilton points, and booked three more nights at the Hilton Tokyo Bay for 80k/night. I need to math that last one out. Anyway, it’s an amazing feeling to have planned all this out in less than two hours, and very humbling to realize I have the points and miles to do all of this. I ran all this by DW in the morning, and she eagerly agreed it was a good change of pace. But before then, it was 2 a.m., and like my man Ted Mosby said,

9cMjC28.jpg

Keep on churning on!
Congratulations on the DVC purchase! It makes SO much sense for your family :love:
 
OK, so if I have a payment due on 2/22, I need to meet MSR by 1/25 in order to have the points post in Feb? Or I have until 2/25 to have points post in Feb?

I have flights in March, so I want my points to post and earn CP in Feb.
Your points post a few days after statement close. The exception to this is only in January while SW does system maintenance and is slow to report the points earned to your account for some people. (I wasn't one, mine posted within 2 days like normal, but I have a close date of the 7th which may have been after the maintenance window)
At this point your points should post within a day or two of either statement date. Just make sure you hit the MSR with enough time to post on the statement, I try for at least a week but 4-5 biz days is probably minimum. If you're too close to statement close it may not trigger on that statement.
 
Very nice! My DS had some Bouncey thing that he loved. He would preferred to be up on his piggies. I think that is why he walked so early. (Just over 9 months).
We decided to just go with a rocker instead of a swing. It vibrates on its own but we would have to manually rock it. It turns into a toddler seat later. I hope he likes it because it was a lot cheaper than a swing lol
 
Can someone recommend a Hyatt Place in D.C... so many options. We are mostly interested in best location, we can get around without a car in DC? And which airport should we fly into? SW has a direct flight to BWI but I'm guessing that's too far away?

And I really hope Chase ups the Hyatt SUB in the next few months.
You've gotten lots of good advice about DC, but I wanted to chime in on the airport choice. National (Regan) is definitely the easiest, because it is right on the metro, and also cheap to uber to/from. If you decide to do BWI because you're on Southwest or whatever, there is a train that runs from BWI to Union Station in DC - very easy to do. I caught a bus shuttle to the MARC train station, then the train to Union Station, then it was an $8 uber to my hotel (I could also have done it by metro, but my hotel was a few blocks from a metro station and I was feeling lazy). Way better than dealing with traffic. I'm firmly in the no car in DC camp - parking and traffic are a pain, the Metro is easy and safe, and uber is readily available.
 
Thank you, this is the information I was needing. I think I'm leaning towards HP National Mall. There are 5 of us so that free breakfast makes a big difference.

This is a nice spot. We used to live in the next neighborhood over (Navy Yard), and a family member rented an AirBnB in a condo on the same street, but on the south side of 395 (this Hyatt is on the north side of 395).

In general, this is a safe area that's mostly weekday bustle, so it will quiet down in the evenings and weekends. Interestingly, it's across the street from NASA HQ as well. Only a block from Federal Triangle for BOS metro line access, and a couple blocks in the other direction for L'Enfant Plaza for BOS + GY access. You can also walk straight down 4th to the Wharf, a new area with a concert venue and lots of restaurants.
 
First, it is flipping FREEZING in Orlando. My kids were making fun of my chattering teeth today.

Thanks to @SouthFayetteFan for the RotR chart, I found it quite helpful and we had a great ride this morning, will make attempt #2 tomorrow. It has to be a great experience for this girl to willingly get up that early and in this weather. It's worth it. (Kind of like him, I only get up early for vacation or softball)



View attachment 466896

That is gorgeous!!! How big is it?

What is the RotR chart?? How did I miss this?
 
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