I love credit cards so much! v4.0 - 2021 (see first page for add'l details)

[SouthFayetteFan]

Oh boy - my 70,000th like (or reaction I guess now on the "new" DIS) comes from the wonderful @wanderlust7!!!

Thanks for being the BEST thread on the DIS! I love all of you guys tooo!!!!!

Or maybe for some of you it's more like this:

Oh and lastly for my boy @PolyRob:

EDIT: I must have missed 60,000... that probably happened sometime last summer.

50,000 got an Office Dance Party: https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-61314755

40,000 was a little more subdued: https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60907205

30,000 was not a big celebration at all though: https://www.disboards.com/threads/i...t-page-for-addl-details.3729982/post-60490747

10,000 shows that I really like that gif/meme of Sally Field: https://www.disboards.com/threads/i-love-credit-cards-so-much.3528202/post-59608931

 

[wanderlust7]

Oh boy - my 70,000th like (or reaction I guess now on the "new" DIS) comes from the wonderful @wanderlust7!!!

Thanks for being the BEST thread on the DIS! I love all of you guys tooo!!!!!

Or maybe for some of you it's more like this:

Oh and lastly for my boy @PolyRob:

Happy 70,000!

 

[chattadisser]

Am I the only one who thinks these stupid Visa and MC gift cards are more trouble than they are worth?? I got 2 $100 MC gift cards when Staples ran their no-fee online promotion. I'm not into the whole money order scene, so I have to find something to actually use them on. It has to be something I know I won't return (because that seems like a whole other hassle). It's has to be just the right dollar amount. It has to be something that I don't get increased points on from any of my credit cards. So I finally ordered something today that fit the bill. Put in all the info and . . . "your card has expired." Except it expires in 1/30. I went to the gift card website and double-checked that the balance is still fully there - yep. Tried again on different devices and browsers - still, "your card has expired." This was NOT worth the 1000 URs I got for the stupid things!

I love them! I use them on utilities, co-pays and haircuts. I don't ever get these as bonus categories and the 5X at Staples can't be beat. I don't buy too many in advance so that helps.

 

[SouthFayetteFan]

Happy 70,000!

Some may say that the 70,000th isn't one to remember... but I say your 70,000th time is just a special as your first

 

[SouthFayetteFan]

Anybody targeted for this one:

American Express Business Gold 90,000 Points Signup Bonus
[Targeted] American Express Business Gold 90,000 Points Signup Bonus - Doctor Of Credit

 

[IFlossU]

Anybody targeted for this one:

American Express Business Gold 90,000 Points Signup Bonus
[Targeted] American Express Business Gold 90,000 Points Signup Bonus - Doctor Of Credit

Clicked through the link “offer no longer available” when I clicked through the “new offer” it was 70k MR/10k in 3 mos. Gonna pass

 

[Minnie368]

I'm having the same issue, even though I provided copies of the confirmation emails from Betterment - one confirming that I opened an account and the other confirming that I funded it.

I just did this offer today and the deposit transfer from my bank to fund it is pending. Maybe the bonus doesn’t post till the deposit clears? And for DH it couldn’t link the bank so we have to wait for the test deposits. When did you do yours and how did you fund it?

 

[elgerber]

Anybody targeted for this one:

American Express Business Gold 90,000 Points Signup Bonus
[Targeted] American Express Business Gold 90,000 Points Signup Bonus - Doctor Of Credit

We are never targeted for anything LOL

 

[Minnie368]

Anybody targeted for this one:

American Express Business Gold 90,000 Points Signup Bonus
[Targeted] American Express Business Gold 90,000 Points Signup Bonus - Doctor Of Credit

When I click through the link on doc it brings up the 90,000 offer for me. I’m currently working on the biz plat MSR but almost there. Wondering if I should go for this one? I just don’t like the AF. I got the plat with the email offer with the AF waived the first year or I probably wouldn’t have done it.

ETA: when I go to login to apply it prefills DH’s login info. So maybe I should apply as him? (If I decide to do it)

 

[Minnie368]

Anybody targeted for this one:

American Express Business Gold 90,000 Points Signup Bonus
[Targeted] American Express Business Gold 90,000 Points Signup Bonus - Doctor Of Credit

This is what I get for DH. For me I get offer no longer available.

 

[aea71]

Am I the only one who thinks these stupid Visa and MC gift cards are more trouble than they are worth?? I got 2 $100 MC gift cards when Staples ran their no-fee online promotion. I'm not into the whole money order scene, so I have to find something to actually use them on. It has to be something I know I won't return (because that seems like a whole other hassle). It's has to be just the right dollar amount. It has to be something that I don't get increased points on from any of my credit cards. So I finally ordered something today that fit the bill. Put in all the info and . . . "your card has expired." Except it expires in 1/30. I went to the gift card website and double-checked that the balance is still fully there - yep. Tried again on different devices and browsers - still, "your card has expired." This was NOT worth the 1000 URs I got for the stupid things!

They're always a hassle! I try to avoid them at all costs.

 

[Shannon G]

I just did this offer today and the deposit transfer from my bank to fund it is pending. Maybe the bonus doesn’t post till the deposit clears? And for DH it couldn’t link the bank so we have to wait for the test deposits. When did you do yours and how did you fund it?

I did it on the 9th (Tuesday) and received confirmation emails from Betterment for both opening the account and for funding it. I funded it from my existing checking account, and the funds were withdrawn from that account on Wednesday, 2/10.

 

[amcc]

Anybody targeted for this one:

American Express Business Gold 90,000 Points Signup Bonus
[Targeted] American Express Business Gold 90,000 Points Signup Bonus - Doctor Of Credit

can I just say that even though I have no need at all for SW points, the write ups you and the others do about them make me want to get some cards and a CP just to join in the conversation What great information and thought processes!

What does a targeted offer look like? Email, sign in landing page? And does AmEx ever target you from a personal card relationship to a business relationship?

 

[elgerber]

I did it on the 9th (Tuesday) and received confirmation emails from Betterment for both opening the account and for funding it. I funded it from my existing checking account, and the funds were withdrawn from that account on Wednesday, 2/10.

Are the funds in your Betterment account? Mine were pulled from Cap One on the 9th, but still pending in Betterment.

 

[SouthFayetteFan]

can I just say that even though I have no need at all for SW points, the write ups you and the others do about them make me want to get some cards and a CP just to join in the conversation What great information and thought processes!

What does a targeted offer look like? Email, sign in landing page? And does AmEx ever target you from a personal card relationship to a business relationship?

I dunno why, but I just really enjoy obsessing over Southwest. I think it's a love affair founded in not paying for a flight for 7 years. They've just been so insanely good to us! So I stay very in tune with what's going on there. And when I see these offers circulate, there typically is a BEST answer, but it takes a lot of thinking to figure that out. I just happen to enjoy doing that thinking as a hobby! Maybe someday you'll need some SW points - it really is a fantastic churning benefit!

So on that targeted offer, you can literally just attempt to sign in and see if it works! Just use the links DoC has in his post. It's probably likely that you'd receive an email if you were targeted, but sometimes you'll be surprised!

 

[*WDW*Groupie*]

Are the funds in your Betterment account? Mine were pulled from Cap One on the 9th, but still pending in Betterment.

Funds were pulled from my funding account on Tuesday as well, but still not showing in the Betterment account.

I just logged into Betterment and even though I only linked my checking account I can see the balances in all of my accounts. Is that normal? It makes me very uncomfortable. I wish I had used a different bank account.

 

[elgerber]

Funds were pulled from my funding account on Tuesday as well, but still not showing in the Betterment account.

I just logged into Betterment and even though I only linked my checking account I can see the balances in all of my accounts. Is that normal? It makes me very uncomfortable. I wish I had used a different bank account.

Yeah I can see that too. But I plan to close the darn thing once I have my money.

 

[platamama]

Funds were pulled from my funding account on Tuesday as well, but still not showing in the Betterment account.

I just logged into Betterment and even though I only linked my checking account I can see the balances in all of my accounts. Is that normal? It makes me very uncomfortable. I wish I had used a different bank account.

That would make me uncomfortable too. Did you log into your checking account from the Betterment website in order to link the checking account? I'm doing the trial deposit approach, but can't seem to verify DH's Betterment account and I'm not sure what's going on there. Maybe because I'm trying to link a credit union account? I was trying an account that doesn't have much money in it to link up.

 

[djmeredith]

If I have the Amex Plat $15/month Uber and I add the Surpass to my Uber account, I should have $25 off an order, right?

Question on refinancing and card timing - we are refinancing our house. We have been approved and hoping to close in the next 30 days (hoping!). Any advice for timing new card applications? I'm guessing that I shouldn't do anything now but will our credit take a big hit? It's been over 6 months since we got any card for me and over a year for him.

Do not apply for anything until you close. I just closed Monday on my refi and the first paperwork he sent after I locked my rate was "DO NOT TAKE ON ANY NEW CREDIT BEFORE CLOSING." So I applied for my new card a few hours after I closed. Don't be surprised if your credit score drops significantly with the refi, mine did and I remember reading on here that happened to someone else. That person said theirs bounced back quickly so I am hoping mine will too.

 

[Haley R]

Anybody targeted for this one:

American Express Business Gold 90,000 Points Signup Bonus
[Targeted] American Express Business Gold 90,000 Points Signup Bonus - Doctor Of Credit

The offer shows up for me but I don’t think we would meet the spend on that card. Plus I’ve been in pop up jail for a long time.