I love credit cards so much! v6.0 - 2023 (see first page for add'l details)

[hsmamato2]

Soooo.....Home repair popped up ( around 5k) so of course I want to open a cc to make use of that spend....however he only takes venmo or cash etc. I was considering app'ing for the 100k Ink,and eating the approx $155 fee..... so if I paid the AF with UR,and paid the fee,I'd net 74,912 UR for my efforts....yea or nay? I'm thinking it's still worth it vs no bonus at all with cash...(I have the cash,but want the reward too) wwyd?

 

[IFlossU]

Speaking of this, can someone remind me: To transfer $ once the 90 days is up, is it better to push money out of the Chase account to the external account or pull it from the external account? (Will be transferring to Ally, if that matters.)

I pulled money out. For me it’s always the safest bet with Chase.

 

[elgerber]

I've been gone since the 18th, what did I miss? LOL.

Is it just me, or is anyone else unable to sign into Disney Gift Cards? I tried for a week or two before we left, and just now, and I still can't sign in.

Answered part two, I logged in with a different disney account, and it worked fine. Weird.

 

[hsmamato2]

Soooo.....Home repair popped up ( around 5k) so of course I want to open a cc to make use of that spend....however he only takes venmo or cash etc. I was considering app'ing for the 100k Ink,and eating the approx $155 fee..... so if I paid the AF with UR,and paid the fee,I'd net 74,912 UR for my efforts....yea or nay? I'm thinking it's still worth it vs no bonus at all with cash...(I have the cash,but want the reward too) wwyd?

SO just typing that out gave me my answer.... yes 75k UR is worth more than no UR!

 

[wanderlust7]

Soooo.....Home repair popped up ( around 5k) so of course I want to open a cc to make use of that spend....however he only takes venmo or cash etc. I was considering app'ing for the 100k Ink,and eating the approx $155 fee..... so if I paid the AF with UR,and paid the fee,I'd net 74,912 UR for my efforts....yea or nay? I'm thinking it's still worth it vs no bonus at all with cash...(I have the cash,but want the reward too) wwyd?

Venmo as friends and family Chase will treat it as a cash advance. Good and services, possibly not. I would still make sure the cash advance limit is lower than the amount charged.

 

[LilSweetPeaPhoto]

The back to school anxiety is off the charts. Doesn't help today was the day I woke to the call my dad was in the ICU. I'm about 97% sure I'll retire at the end of this school year. Just need to find plan B. So I've been looking at my sick bank. I just mapped out "mental health" check days nearly every week to see if I need to take the day off or not. I refuse myself to be in as bad shape as I was last year. Between my dad, daughter, son and school, I am shocked I'm still standing. I literally did nothing but travel this summer in hopes of recouping but it didn't work

Since retirement is a real reality, and the BF is about to take a $200k paycut (for this year...likely $500k total), I need to get way better about my spending and saving. So far I haven't had to dip into my savings at all, but this month I'll have to. I've gotta pay off my daughter's macbook and likely some of my summer travel. I have a large chunk of my savings earning the 5.3% or whatever Wealthfront is right now. I need to do some more bonuses right now I think for some "free money". And I guess really start thinking about the jobs I want to look into for next summer/fall. I think this last year is really going to be hell!

Any decent Hilton sub offers going on right now?

I don't thinks so. I REALLY love the FNC offers when they have them. I luckily got in on one this spring as did my BF!

DS has lost his iphone. Are there any deals now with CC to get any kind of deal on a new iphone. It doesn't necessarily have to be the newest model. The good thing is the phone was paid off, so we won't have any kind of trade, but he also won't have a chunk to pay off before being able to add a new phone to the plan.

I tried looking for benefits with the CSR, but didn't see anything currently being offered.

Just wondered if there's anything out there that might help! Thanks!

I'd wait! The new iphones will be announced in like 2 weeks. Then you'll see prices drop on the older ones. Is your son tied to his number? Normally you used to be able to get a free phone when you added a new line as well.

 

[djmeredith]

I’m annoyed this morning because I noticed one of my Chase cards was charged for my Walmart+ subscription instead of the Amex plat. It must have messed up my default card when I used one of the Chase Walmart offers online. I switched it back but I wonder if Walmart would help me switch payment methods after the fact. I only got it in the first place because it’s free on the plat. I certainly never planned to spend actual money on it.

I had something similar happen when I first signed up. They did reverse the charge.

I've been gone since the 18th, what did I miss? LOL.

Is it just me, or is anyone else unable to sign into Disney Gift Cards? I tried for a week or two before we left, and just now, and I still can't sign in.

Glad you were able to finally log in. I have been using the site a lot this week and had no trouble logging in.

 

[IFlossU]

Anyone know how long it takes to have Avios refunded? AA canceled our flight and rebooked us, but other options weren’t appealing so I canceled outright. Hoping to rebook something in the next couple of months.

 

[wanderlust7]

Anyone know how long it takes to have Avios refunded? AA canceled our flight and rebooked us, but other options weren’t appealing so I canceled outright. Hoping to rebook something in the next couple of months.

This is BA? I've been told within 24 hours. I've had a few hours to next day before, all by contacting BA. I've never tried the online cancel.

 

[IFlossU]

This is BA? I've been told within 24 hours. I've had a few hours to next day before, all by contacting BA. I've never tried the online cancel.

Yes, BA. I was able to easily cancel online, not sure if it was because my flight was canceled. First time booking AA with BA Avios.

 

[FreeDiningFanatic]

DS has lost his iphone. Are there any deals now with CC to get any kind of deal on a new iphone. It doesn't necessarily have to be the newest model. The good thing is the phone was paid off, so we won't have any kind of trade, but he also won't have a chunk to pay off before being able to add a new phone to the plan.

I tried looking for benefits with the CSR, but didn't see anything currently being offered.

Just wondered if there's anything out there that might help! Thanks!

Any chance you charge your phone bill to Amex plat or Amex biz plat or Venture X? I think these all include phone insurance.

 

[newski_mom]

Any chance you charge your phone bill to Amex plat or Amex biz plat or Venture X? I think these all include phone insurance.

Thank you - I don't know why I didn't think of that. I do charge it to DH's AmEx plat. He is pretty sure he was pick pocketed in Vegas. It looks like for Plat coverage you have to file a police report. I googled that and it says you file by calling a non-emergency number. I think I might try that and see where it leads.

I'm at least going to see how this all plays out - thanks again!

 

[FreeDiningFanatic]

Speaking of Global Entry, I renewed one kid 12 months in advance to use up a GE credit for a card which will get closed. Application was approved without need for re-interview, so he's good for almost six more years now.

I'll do another kid in another few weeks. I have to say that since I started tracking passport and frequent flier/rewards info in a spreadsheet, I am much more organized. It's much easier to fill in airline information, etc, especially because I am often doing it for 8-9 people.

I do need to get better at tracking random credits, like GE credits and EBCI, upgraded boarding, etc. I always feel like I am chasing that info down.

 

[DogCat]

Speaking of Global Entry, I renewed one kid 12 months in advance to use up a GE credit for a card which will get closed. Application was approved without need for re-interview, so he's good for almost six more years now.

I'll do another kid in another few weeks. I have to say that since I started tracking passport and frequent flier/rewards info in a spreadsheet, I am much more organized. It's much easier to fill in airline information, etc, especially because I am often doing it for 8-9 people.

I do need to get better at tracking random credits, like GE credits and EBCI, upgraded boarding, etc. I always feel like I am chasing that info down.

Sounds like you have a good system. I don't know how everyone keeps track of everything in this hobby. TBH I feel overwhelmed trying to stay on top of it all.

 

[FreeDiningFanatic]

Thank you - I don't know why I didn't think of that. I do charge it to DH's AmEx plat. He is pretty sure he was pick pocketed in Vegas. It looks like for Plat coverage you have to file a police report. I googled that and it says you file by calling a non-emergency number. I think I might try that and see where it leads.

I'm at least going to see how this all plays out - thanks again!

So happy that it looks like you'll have coverage!! Also, given that it seems you don't definitively know where/when the phone was lost, it seems safe to file a police report in your hometown.

I think there's something like a $50 deductible, which seems like a pretty sweet deal to get a phone replaced. Please update us on how it works out.

 

[newski_mom]

So happy that it looks like you'll have coverage!! Also, given that it seems you don't definitively know where/when the phone was lost, it seems safe to file a police report in your hometown.

I think there's something like a $50 deductible, which seems like a pretty sweet deal to get a phone replaced. Please update us on how it works out.

Question on that - we would go to our hometown and tell them it was lost/stolen in Vegas or just that we don't know exactly when / where it happened? I've never filed a police report before.

 

[ibob52]

He is pretty sure he was pick pocketed in Vegas. It looks like for Plat coverage you have to file a police report. I googled that and it says you file by calling a non-emergency number. I think I might try that and see where it leads.

Although this is not the same plan this may help . it is from the Wells Fargo Cell Phone Protection Plan info . . .​

What is not covered​

• Any Cell Phone that is lost (i.e., mysteriously disappears) without any evidence of a wrongful act.

 

[FreeDiningFanatic]

Question on that - we would go to our hometown and tell them it was lost/stolen in Vegas or just that we don't know exactly when / where it happened? I've never filed a police report before.

As the previous poster stated, it seems that "Eligible Cellular Wireless Telephones that are lost or Mysterious Disappearance;" are non-covered per the Guide to Benefits.

A covered loss includes:
Stolen means an Eligible Cellular Wireless Telephone that is taken by force and/or under duress or a loss which involves thedisappearance of an Eligible Cellular Wireless Telephone from a known place under circumstances that would indicate theprobability of theft and for which a police report was filed within forty-eight hours of the theft.


So it seems it MAY/COULD be covered since he recalls it going at a specific time/place in Vegas. Perhaps he recalls being bumped and then not having his phone- a common pickpocketing occurrence? I am not sure if you would contact your local police or Las Vegas police, but it does also seem like time is of the essence. I would make contact with either one asap.

ETA: Here's an interesting comment from reddit where the poster mentions what documents the insurance carrier will want. Don't know if it's still the case, but they mention a police report or a notarized affadavit confirming theft

https://www.reddit.com/r/churning/comments/nthjcu/_/ha9hdl2

 

[EACarlson]

Question on that - we would go to our hometown and tell them it was lost/stolen in Vegas or just that we don't know exactly when / where it happened? I've never filed a police report before.

You'd have to have a police report filed with the jurisdiction in which it happened. If he got pickpocketed in Vegas it would need to be a report filed with either the Las Vegas PD or Clark County Sheriff's Office.

 

[hsmamato2]

Venmo as friends and family Chase will treat it as a cash advance. Good and services, possibly not. I would still make sure the cash advance limit is lower than the amount charged.

thanks - will do! Big question.... how do I change the cash advance limit? never had to do this before