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

[hsmamato2]

Third party insurance might not cover you at all. Don’t take this as gospel because this is a new area for me as well and I know very little and have never claimed a UR loss- but you paid in Ultimate Rewards so they *might* claim the part of your trip paid in points is not reimbursable. I’m just saying before you depend on that claim being filled know for sure...

whatttt I thought it was based on the value of the trip....

 

[hsmamato2]

Even if you booked Early Saver (which is what we normally do) you would only lost the Deposit amount to a FCC. And right now as I see it - Carnival has extended it's policy so you have up until 30 days to cancel for a refund of UR"s (minus the deposit amount which would still be in the from a FCC).

I'm sorry, I'm not sure I understand this.... I thought on the carnival website it said early saver fares were 100% not refundable? What policy for 30 days? I didn;t do a deposit,I PIF using UR at time of booking.....

 

[gottalovepluto]

whatttt I thought it was based on the value of the trip....

Yes but... from what I researched a couple months backed anything booked with points is not refundable by insurance. Probably because otherwise there would great opportunities to book point trips, buy anytime insurance and then cancel for a check.

Like I said- I know nothing really. It was very confusing. That’s just the conclusion I came to from my research. Your insurance company might tell you differently.

 

[Judique]

It’s Iowa and no they haven’t stated any stay at home orders. The place my parents work is considered essential as well as where dh’s parents work.

The trend in Iowa leans toward conservative. How are your parents and inlaws feeling about this? Are they alarmed? Or are they feeling like it should be business as usual?

Perhaps if you lived in Iowa presently, you might view this situation in a different light, depending on the news media, political stance and general overall information trail that you would be following. Perhaps you would be alarmist. And perhaps you would be middle ground, doing the things necessary to stay safe., and perhaps, going about your everyday life as usual. Nothing appears closed there on the website I checked, but this site has errors.

I guess I should say this. Everyone is not going to get the virus. You and your husband will probably be okay, unless one of you is in worse shape then we think you are, even if you do contract the virus, because you have health and youth on your side. That's just not the case for all, and added to that we have the real possibility that the number of ill at one time will eventually overwhelm the resources available. That is the real fear - no ICU bed and ventilator if you do get sick enough to require them.

I truly appreciate that you and your husband have absorbed the message - that beating this virus requires everyone to take precautions. It's a sign of social responsibility. I'm leaning toward alarmist, because I'm higher risk.

You can advise your loved ones to stay safe and you can try to give them information on how to do this. Hopefully they already know and are practicing safety, and if they don't that they will listen to you and take steps to stay safe.

I'm in contact with many of my relatives and I know they are doing the right things. I do have a couple of close relatives that probably don't do all the things that keep all of us safer. I can't control them so I hope all goes well.

 

[becauseimnew]

You guys, AA has all these perfect Web Specials and we can't go anywhere
Applied for Barclay Arrival and I didn't get instant approval

 

[StephPlum]

Well DH just applied for a CIP with the link I generated a week or so ago. Feel a little better now that it is April. To put 3 months, would have needed to wait until April 20th. I was too afraid the 80k/5k offer would go away. Got the need more time response. That was expected. Now have to be patient for a few days. He lowered CL on a card through SM last week. Took 4 days to get a response. They are swamped, I bet.

 

[LynnTH]

I'm sorry, I'm not sure I understand this.... I thought on the carnival website it said early saver fares were 100% not refundable? What policy for 30 days? I didn;t do a deposit,I PIF using UR at time of booking.....

On Early Saver Fares - The deposit amount (not the amount you actually paid right away but the minimum amount that was required per person to book the cruise). So, say you booked Early Saver under a promotion that you only had to pay $50 per person deposit and then balance 90 days prior. As long as you cancelled prior to the 90 days you would get a refund of anything over the $50 per person you paid. You would then get a FCC for the deposit amount. If you cancel less than 90 days then the refund amount changes.

But.... Carnival has changed the final payment date for all cruises through September 30th - to be paid 30 days in advance. So, in the scenario above it would not be 90 days but 30 days. That is the way I understand it...

I have a great rate on a cruise in August I am thinking of booking. It is a casino rate and I only need $50 per person deposit. If I decide not to go then I will just take that deposit and use it on the cruise we have booked for next March. I think you have 2 years to use FCC (unless they are changing that too).

Not sure about the insurance - I always buy the 3rd party Cancel for any reason insurance also and I guess I just assumed I would get my points back (well 75% of the points per the policy)

Would be best to talk to someone at Carnival or Chase -but I know getting a hold of anyone is horrible right now.

 

[gottalovepluto]

Not sure about the insurance - I always buy the 3rd party Cancel for any reason insurance also and I guess I just assumed I would get my points back (well 75% of the points per the policy)

By getting points back you mean like you would cancel and get 75% of your URs back? Unless you buy the insurance through a package with Chase or the cruise line when booking I do not understand how that would be possible. An insurance company cannot pay out URs.

 

[palhockeymomof2]

Do y'all think my dd would be eligible for unemployment since she lost her 'job'? I'm just not sure if having an paid internship qualifies. She was under contract with Disney to work until Aug 6. Now that she is home and is caught up on rest, we've considered having her try to find a job but I'm a bit hesitant with her more fragile health to send her out right now. But she still has expenses and she was left out of the stimulus package so was thinking maybe she should try for unemployment.

Doesn’t hurt to have her look into it...did she work prior to Disney ?
When looking at the NYS and FL websites just in case my DH or HS needed to apply both states wanted past wages listed by quarter for 4-6 quarters I think.
As of now both are still employed but with pay cuts, so no new credit card applications here for a while

 

[disneedee]

Congrats

i love these dance parties.

 

[LynnTH]

By getting points back you mean like you would cancel and get 75% of your URs back? Unless you buy the insurance through a package with Chase or the cruise line when booking I do not understand how that would be possible. An insurance company cannot pay out URs.

Yeah - I don't know. I guess I should ask them that. I probably just assumed incorrectly on all of this. I may need to rethink my future insurance on cruises booked with UR"s and just get medical. Will have to clarify with the insurance people - once I can get through to them.

 

[gottalovepluto]

I stated awhile back that my parents work at a local lumberyard. We skyped with them last night and my mom said customers aren’t caring about the 6 ft rule at all. That makes me nervous because she works with customers all day. She helps them pick out paint and stuff. It’s a small town and they’ve already had lots of positive tests and 3 deaths so I’m not sure why they aren’t taking it seriously

Everyone has a different perspective- denial, don’t care, etc. Heck, there were pictures of people in NY who went out to watch the freaking hospital float into the city. Talk about people who should know better!

I hope your Mom is willing to get strict. I feel SO rude putting my arm out in a big gesture and saying 6ft please to strangers! But it needs to be done and the world can just deal with me being “rude”. It might hurt sales, but if you get sick there won’t be any sales.

 

[gottalovepluto]

Yeah - I don't know. I guess I should ask them that. I probably just assumed incorrectly on all of this. I may need to rethink my future insurance on cruises booked with UR"s and just get medical. Will have to clarify with the insurance people - once I can get through to them.

*two years later*

“Finally heard back!... and then I got disconnected...”

 

[gottalovepluto]

Do y'all think my dd would be eligible for unemployment since she lost her 'job'? I'm just not sure if having an paid internship qualifies. She was under contract with Disney to work until Aug 6. Now that she is home and is caught up on rest, we've considered having her try to find a job but I'm a bit hesitant with her more fragile health to send her out right now. But she still has expenses and she was left out of the stimulus package so was thinking maybe she should try for unemployment.

If I were her I’d apply right now. Worst that happens is a denial...

 

[wendow]

Doesn’t hurt to have her look into it...did she work prior to Disney ?
When looking at the NYS and FL websites just in case my DH or HS needed to apply both states wanted past wages listed by quarter for 4-6 quarters I think.
As of now both are still employed but with pay cuts, so no new credit card applications here for a while

She did work. She worked right up until she went to Disney and had been working for over a year.

 

[wendow]

If I were her I’d apply right now. Worst that happens is a denial...

Okay! She’s on it

 

[hsmamato2]

On Early Saver Fares - The deposit amount (not the amount you actually paid right away but the minimum amount that was required per person to book the cruise). So, say you booked Early Saver under a promotion that you only had to pay $50 per person deposit and then balance 90 days prior. As long as you cancelled prior to the 90 days you would get a refund of anything over the $50 per person you paid. You would then get a FCC for the deposit amount. If you cancel less than 90 days then the refund amount changes.

But.... Carnival has changed the final payment date for all cruises through September 30th - to be paid 30 days in advance. So, in the scenario above it would not be 90 days but 30 days. That is the way I understand it...

I have a great rate on a cruise in August I am thinking of booking. It is a casino rate and I only need $50 per person deposit. If I decide not to go then I will just take that deposit and use it on the cruise we have booked for next March. I think you have 2 years to use FCC (unless they are changing that too).

Not sure about the insurance - I always buy the 3rd party Cancel for any reason insurance also and I guess I just assumed I would get my points back (well 75% of the points per the policy)

Would be best to talk to someone at Carnival or Chase -but I know getting a hold of anyone is horrible right now.

Oh wow I'm learning too much now...Thank you for the info! I will def. call them later in summer,I have plenty of time. I don't think I could get DH to go even if we get nothing back. This current situation has me SMH,this is the 2nd instance were points booking and what seemed like a great deal turned out to be not so great a thing after all.

 

[palhockeymomof2]

She did work. She worked right up until she went to Disney and had been working for over a year.

Definitely have her apply.... she’s eligible

 

[LynnTH]

Oh wow I'm learning too much now...Thank you for the info! I will def. call them later in summer,I have plenty of time. I don't think I could get DH to go even if we get nothing back. This current situation has me SMH,this is the 2nd instance were points booking and what seemed like a great deal turned out to be not so great a thing after all.

Started researching a bit more. If you do cancel before the 30 days you will get a FCC to use. (and that is only if you booked before March) But, you should be able to get a refund of your UR"s minus the deposit if you cancel before the 90 days that is their standard policy. So, be sure to cancel before then.

 

[becauseimnew]

Anyone thinking of applying for the United card? 60K, $3K spend, $0AF. Having some serious MOFO but the terrible united stories are stopping me. Also, because I just applied for the Barclay Aviator.