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

[CookieandOatmeal]

Thanks I'll try this. Does Shop Disney accept multiple payments for an order? Can I buy $200 worth of gift cards use the redemption card and then pay the rest on another CC?

Yes you can. I usually round up to the nearest $10 on the gift card and pay the difference with a CC.

 

[hsmamato2]

I love this!! I have yet to pull the trigger on a Loungefly backpack but it's only a matter of time (especially since I signed up for their emails, lol).

I got my first one a couple of weeks ago..... (sale thru rakuten and free shipping) I love it! And now I know it's a collecting experience.....

 

[StephPlum]

Trying to get in my April wireless credits. Anyone having issues with Verizon and split payments today? I was able to make a payment on 2 cards, but now everytime I click a new card, it reverts back to a different card. Not sure if it is due to the fact my stupid Amex cards have the same last 4 digits GRRR. Worked fine last month but it looks like Verizon changed their web interface. And I can't seem to delete any cards.

 

[wanderlust7]

Does anyone use Mint for their financial spreadsheets? I downgraded DH's CSR last month and I noticed on the statement they back dated the refund to when the AF was originally charged. I do not see it in Mint anywhere. Can they not handle past dates? I import the Mint data into my own spreadsheet, so it is fine, I can just add it in myself, but just wondering if it is there somewhere and I didn't see it.

I've had that happen for canceled cards. Once it's canceled, Mint changes it to inactive and won't download new transactions. I think I tried to change it to active just to get that transaction, but it wouldn't take. My workaround is to manually add it as a cash/income transaction after I see that the AF refund posted.

That reminds me, I think I have one to confirm and enter lol.

 

[Hoosier John]

Does anyone use Mint for their financial spreadsheets? I downgraded DH's CSR last month and I noticed on the statement they back dated the refund to when the AF was originally charged. I do not see it in Mint anywhere. Can they not handle past dates? I import the Mint data into my own spreadsheet, so it is fine, I can just add it in myself, but just wondering if it is there somewhere and I didn't see it.

I have a bank "cc" charge which I think was actually an EFT from checking to mortgage payment. Suppose data got mixed up or dropped during communication.
Let it go for a few months and it never corrected, so I just marked it as "paid" in the app, so it would go away from my Upcoming Bills (that show as Past Due)

 

[veginaz]

About how long has it been taking to receive a new Chase Preferred card in the mail? Disney trip in 2 weeks would like to have it in hand before then

 

[Haley R]

Have wait times with chase been bad lately? I need to call to PC my card because the AF just hit

 

[wanderlust7]

About how long has it been taking to receive a new Chase Preferred card in the mail? Disney trip in 2 weeks would like to have it in hand before then

You can ask them to expedite it and you'll get it in 2-3 days. They always send it by UPS 2 day for me. If you already have a Chase online account, you can ask by secure message. If you don't ask, it might take 10+ days and it goes through regular mail.

 

[Psychodisney]

I need some clarification. My AF for my CSR hit in Dec for $450. My DH's hit today for $550. He's had his for 4 years too. Why is his $550? I'm sure I'm forgetting some change. Might consider downgrading his to the CSP or a CF and try signing up for a new one.

 

[PaintsWithAllTheColors]

Does anyone use Mint for their financial spreadsheets? I downgraded DH's CSR last month and I noticed on the statement they back dated the refund to when the AF was originally charged. I do not see it in Mint anywhere. Can they not handle past dates? I import the Mint data into my own spreadsheet, so it is fine, I can just add it in myself, but just wondering if it is there somewhere and I didn't see it.

If I recall correctly, Mint can only do 90 days past data.

 

[*WDW*Groupie*]

Just saw on DoC that there are actually 2 different offers. The one I got, it's clear from the fine print that it's 5000 MR per AU. Apparently, there is another version that's 20k for one AU, but that's still the maximum you can get.

https://www.doctorofcredit.com/targeted-american-express-add-an-authorized-user-get-20000-points/

I went ahead and applied for a supp AmEx plat card for dd. I read my offer a few times, carefully reviewed the fine print and T&Cs and it appears that I got the 20K / $2k spend offer. I guess we shall see. I'll use the card to pay our Toronto property taxes for May which will take care of the MSR.

 

[Judique]

Just applied my $15 Brilliant credit to my Cell, leaving a few $$ to be charged to my designated 'insurance' card. Got the 'You've used your Amex offer' email. I'm going to miss this when it's gone!

 

[Crazed4DisneyinSC]

I bought one at Disney a few years ago and couldn't agree more. It is the perfect size. Mine is the "snack pattern" all of the fun disney snacks in the print.

Oh I love that pattern! Almost got a magic band in that print last time we were there. FWIW, dole whip is my favorite Disney “snack”

 

[Psychodisney]

I need some clarification. My AF for my CSR hit in Dec for $450. My DH's hit today for $550. He's had his for 4 years too. Why is his $550? I'm sure I'm forgetting some change. Might consider downgrading his to the CSP or a CF and try signing up for a new one.

Replying to myself, it looks like the $450 AF went away with April renewals. I think he'll be downgrading and reapplying in June for a CSP.

 

[Judique]

So, I dropped by Aldi for a few things earlier this week on Tuesday. On my way in, an older person sitting on a rollator spoke to me. She said, 'Can you buy me something to eat?'

My immediate reply was 'I only have a quarter'. That would be to insert in the slot to free up the shopping cart. I don't carry cash. Continued to the cart and on the way back I said, 'What can I buy for you?' She said, 'Some green beans and one of those packs of chicken with the peppers and onions.' And she offered to come in the store with me. I said, no, you wait here, I'll be right back.

Once in the store, I quickly got the 2 items, and added a bit of fresh fruit for a total cost of $9.83 which I put on my IHG card to complete the 3 tap to pay transactions for 1000 points.

Back outside and another customer had also picked up a couple of items for her. She thanked us both and blessed us and rolled away. I went back in the store to get my own few things.

So, I helped feed someone dinner that night. I may have been scammed but I prefer to think I gave from my heart and that this person needed food. Usually I have no problem averting my eyes, ignoring and keeping walking when asked for change, as I equate that with 'not food' items.

 

[veginaz]

You can ask them to expedite it and you'll get it in 2-3 days. They always send it by UPS 2 day for me. If you already have a Chase online account, you can ask by secure message. If you don't ask, it might take 10+ days and it goes through regular mail.

thanks! I Do have an online account. Ill try that

 

[afan]

Replying to myself, it looks like the $450 AF went away with April renewals. I think he'll be downgrading and reapplying in June for a CSP.

You might want him yo check his secure messages. Reddit has some people getting a message that the 550 will post and then a week or so later they'll get 100 credit.

 

[LilSweetPeaPhoto]

Okay before I go back and read the 20 pages from when I've been on Spring Break....looking for some help here.

I refi'd in October. My payment went down about $150/mo. Well I just got a letter they botched my escrow estimate and now want to add $300/mo to my payment. Do the math....I'm now paying MORE with a lower interest rate. I've wanted to stop doing escrow for awhile and this was the straw to break me. Sorry but they don't need to be sitting on $5k in my escrow account, it's time I get to earn 1% on that, LOL. I need about $6k to cover taxes and insurance. That works out to $500/mo (I currently pay $494). I called and cancelled my escrow today. So now I need to start transferring my "escrow" myself each month.

I'm thinking of creating another savings account (or I guess use one of the 57 I have) for this. I know I'll be "short" in August when my first bill is due. But I have savings I'll pull from and just try to keep track to balance it out. I think a lot of you who do this pay taxes w/ your cards (I'm looking forward to those points or using for a SUB!). I know my insurance will take a CC, I pay my auto w/ one. My city charges 3% to pay my water bill w/ a card. Can I assume they'll do the same for taxes? Is that the norm? Any ways around this?

Any other tips I should know from those of you doing this for awhile now? My head is slightly spinning (might be from no sleep and getting to the ATL airport at 5am) so any help you have is appreciated! I feel so adult, LOL. My ex handled all of our finances. I defaulted to him since I was 19 when we got married and he ended up as a CPA. The BF is shocked at how terrible my ex is with money. I've shared before, I'm living the EXACT same lifestyle (I kept the house) with $100k less in my budget annually. There were months we were paycheck to paycheck and I wonder why/how now! He has the CSR (got it when we were married still and planning Hawaii). He never uses any of the benefits or uses it ever! I have told him before he cancels to cash out the points or transfer to me (we still hold a joint account thru Chase, and he never changed his address, lol). I mean he couldn't be bothered to call for the $150 retention they offered. I shouldn't be shocked, this is the same man who didn't get an oil change on his 2019 Jeep Wrangler and had to put a whole new engine in.....I also did said refi because I was holding his VA loan on this house. He had the right to ask for it at any point, and since the rate was lower, I figured it was time to do it. His interest rate is 4.5% currently and again, he can't be bothered to refi even when I told him how low VA rates are.

It really sickens me to think how much more money we could have had if I didn't "trust" he was smarter than me w/ money. Or even the vacas/fun we could have had w/ the kids. Instead I got $4k in debt when we divorced. But nonetheless now I'm living within my means, managing to save a little, looking to buy a rental property/vaca home, and possibly retiring in 2024! And my BF is insanely responsible w/ money (minus wanting to buy a race horse), and pilots make A LOT! I've even gotten to the point where I'm going to teach my 16yo how to do the credit card rewards/points so she can start using her dad's points. As well as teach her so she can do this in a few years herself. She'll be making great money at 20, and I don't want her to make the mistakes I did for 22 years.

Okay sorry for the ramble. Now back to page 306, LOL

 

[becauseimnew]

Trying to get in my April wireless credits. Anyone having issues with Verizon and split payments today? I was able to make a payment on 2 cards, but now everytime I click a new card, it reverts back to a different card. Not sure if it is due to the fact my stupid Amex cards have the same last 4 digits GRRR. Worked fine last month but it looks like Verizon changed their web interface. And I can't seem to delete any cards.

When I paid last month I was only able to make 2 payments a day. This month I did 2 yesterday and 2 today, no issues. I do it from my PC, since you can see the card nicknames from the PC but not the app.

 

[gottalovepluto]

Also I was charged my own AF today on my CSR and it was only $450. I thought the renewals would now be $550. I think I am downgrading it, but now I feel bad somehow since they didn't up the fee. lol

Have you tried calling for a retention offer? Sometimes they offer a credit of $100-$200, but sometimes it’s nothing.