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

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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.
We did DC years ago, we flew into Reagan. Took the Metro to Old Town Alexandria, stayed at the Embassy Suites right across the street from the station. It was a great choice. Then we took the metro everywhere, no rental car. It was super easy and convenient.
 
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 15k 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 — with points. 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!
Congrats! Welcome to the club :)
 
So you know you're a junkie when you get upset (after the fact) at the missed chance to churn/use what you've got.

In my current crazy life, my dating situation could really be reality TV. A guy I met online decided while I was in class on Friday (teaching) he wanted to fly me down to see him/meet him for the weekend. He didn't balk at the $850 for the flight from DTW to Memphis. I was in a hurry to do it all though, so I just threw it on my Delta card (he knows I play the game, so he let me book, and sent me the money). Of course it was after the fact I realized I've been sitting on like $1200 in Delta gift cards. And then also realizing that I have the Amex airline credits on my Aspire that literally are expiring this month (I'm cancelling and could have done the triple dip). I could have used either/both of those and managed to bank the $850 he sent me.

I did use the Lyft credits and deals with the CSR a few times this weekend. But I'm seriously over here smacking my head on missing the stuff I could have done w/ the airline ticket, LOL.

It was a bit "pretty woman" this weekend (not that I'm a prostitute, LOL...in that he was spoiling). He's an "investor". We discussed the beach house I'm looking to buy and he gave me some great ideas on how to finance it. He also spent the weekend betting the games. For a few of the cards he bet for himself, he'd place a smaller bet for me. Managed to win $415 on the ones I had. It was interesting to say the least. Even coming home w/ money, I'm upset I missed out at my credit card maxing, LOL.
 
We did DC years ago, we flew into Reagan. Took the Metro to Old Town Alexandria, stayed at the Embassy Suites right across the street from the station. It was a great choice. Then we took the metro everywhere, no rental car. It was super easy and convenient.

Just to chime in. Reagan is definitely the most convenient, but Dulles will have improved public transportation fairly soon. Currently, the Silver Line of the Metro is built out to Reston and Dulles has a bus going to that station pending completion of the line all the way to the airport. BWI is really far and you have to deal with traffic on i95 and the beltway. I would not recommend it at all.
 
Just to chime in. Reagan is definitely the most convenient, but Dulles will have improved public transportation fairly soon. Currently, the Silver Line of the Metro is built out to Reston and Dulles has a bus going to that station pending completion of the line all the way to the airport. BWI is really far and you have to deal with traffic on i95 and the beltway. I would not recommend it at all.
Thank you, this is all really helpful.
 
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 15k 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 — with points. 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!
I think that's amazing that you were able to do so much with points!! I can't even imagine accumulating that many rewards. I have a lot to learn I guess. Would love to travel that often and that well!
 
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
Yeah, we pretty much had everything baby gadget there was. They are all so different as to what they like. DS and I were just talking about it last week about how active he was in my belly. It didn’t matter what time of day, he was busy moving and doing somersaults. And he hasn’t stopped with his crazy movements when he sleeps.

This is the one we had.EA5AD9B2-BDBC-44DE-959E-7AFC0BECFC65.png
 
Hey everybody! I've been reading this thread for a few days and decided to actually post and ask for some advice.

I am planning a trip for Nov 2021 for 4 of us. 2 adults and a will be 13 ds and 6 dd. We want to do at least 3 days at Universal studios, 2 at Disney and spend a day/night at the beach. We've never been to Universal but have been to Disney 3 times.

I have the Disney card with the annual fee and use it as our primary card, paying any bills possible and all of our regular spending. Chase's website shows I spent about $63,000 on my Disney card last year.

The only card I've opened in the last 2 years I believe is a store card at Big Lots.

I don't want to stop using my Disney card entirely, because I plan to use those rewards to pay for a large part of the Disney portion of our trip. I currently have $750ish in points on it.
I'm wondering what would be the best card (s) to help cover hotels and car rentals. We plan to stay at least one night on universal property to get the included express pass, but otherwise are open to off property.

I have a southwest card (the one with the $
69 fee) with very little points as we used them for our trip 2 years ago. We are planning to open one in hubby's name to get the bonus and help with flights.

Any suggestions? Thanks in advance!
 
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 15k 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 — with points. 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!

This is one amazingly loaded post!

Congratulations on your DVC purchase, your trip to Japan, completing several MSR's and having a spouse who was happy with all of this, all before breakfast!
 
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 15k 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 — with points. 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!
I’ve actually been missing you and your wisdom lately. Congrats on your wonderful purchase. Just think of all the trips you will be taking with your family and then as your daughter grows, with her family. There is nothing like it. 😍
 
Yeah, we pretty much had everything baby gadget there was. They are all so different as to what they like. DS and I were just talking about it last week about how active he was in my belly. It didn’t matter what time of day, he was busy moving and doing somersaults. And he hasn’t stopped with his crazy movements when he sleeps.

This is the one we had.View attachment 466987
The rocker we got was only $40 I believe so I’m really hoping he likes it.
 
Is someone keeping track of the SW loophole? DH just informed me his guy trip is Memorial Day weekend, after spending all weekend talking about the SW loophole, ugh. Seriously, like we mentioned it 3 times!
 
For those doing bank bonuses, there had been some question about the 2 year clock on Chase bonuses now. There's DP out that it's counting from account open date, so you'd be eligible starting the next date after 2 years. (i.e. 1/20/18 open, eligible 1/21/20). This is what you'd expect but when they first implemented the restriction it wasn't quite working that way so there's been some questions.

 
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