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

[Judique]

I got that but did not do the 50 transactions so it was not for that.

Awww, dang! Well, they will show up sooner or later.

 

[LilSweetPeaPhoto]

My DS is 17 and heading to college in the Fall of 2022 . Is there anything I can/should be doing now to help him establish credit? He’s got a debit card attached to his checking account that he uses for all of his expenses. I’m wondering if I should make him an AU on one of our accounts (DH and I have CFF, CFU, CSP and CSR)? I wouldn’t actually give him a card or let him charge to the account , but would being an AU help him build a credit history and be helpful down the line? Or not really?

My DD is 15 and has been on my cards since she was 13 I think. If my card allows an AU, she has a card for it. I keep them stored for her, but do give them to her when she's traveling. Now that she is about to be driving, I will make sure she has whatever card I'm trying to charge gas on, LOL

 

[FreeDiningFanatic]

My DD is 15 and has been on my cards since she was 13 I think. If my card allows an AU, she has a card for it. I keep them stored for her, but do give them to her when she's traveling. Now that she is about to be driving, I will make sure she has whatever card I'm trying to charge gas on, LOL

Is there a way for authorized users to see their credit scores, as many of the cards now provide this benefit? I’d like to do add my 20 year old as an AU, as I believe she has no credit history, but I worry she may have something on her credit (that I don’t know about) which would negatively affect my credit somehow if I add her as an AU.

 

[FreeDiningFanatic]

Okay, so I had two rooms booked for our upcoming Maui trip at the Grand Wailea, for 3 nights. Southwest dumped one of our flights, so we ended up extending our stay in Maui for an additional two nights.

Because the same room types weren’t available, I now have 2 rooms under 4 different reservations (2 nts, then 3 nts for each room).

My sister is now unable to travel with us, so I am responsible for the cost of room 2.

Anyway, I wanted to take advantage of Hilton’s stay 4 nights on points, get fifth night free promotion, but was unable to because they are under two different reservations, with two different room types. I waited on hold for about an hour today, and eventually spoke with an agent at the Hilton Diamond desk, who contacted the resort directly for me to try to secure the same room types for the “split” stay. She was unable to do so because they are oversold, however, the Hilton Diamond agent manually credited me with 95,000 points back, honoring the 4nt promotion.

If you have the Hilton Amex card, the Diamond Desk number is on the back of the card, but for those who might need it, it is 1-877-444-9847. The agent went out of her way to put numerous notes on all of my reservations to make our complicated reservations, hopefully less complicated.

ETA: The level of service was something the regular agent hadn’t offered, so it was worth is to speak with the Diamond agent. Both agents were very pleasant and knowledgeable, the Diamond agent simply went the extra mile.

 

[mmmears]

My DS is 17 and heading to college in the Fall of 2022 . Is there anything I can/should be doing now to help him establish credit? He’s got a debit card attached to his checking account that he uses for all of his expenses. I’m wondering if I should make him an AU on one of our accounts (DH and I have CFF, CFU, CSP and CSR)? I wouldn’t actually give him a card or let him charge to the account , but would being an AU help him build a credit history and be helpful down the line? Or not really?

Yes, make him an AU. It helps. We got DD a couple of AU cards when she was a teen, and let her carry them and use them sparingly when needed.

 

[LynnTH]

Yes. Making them an AU is good for their credit. I put all 3 of mine on our oldest card. I did give it to them too, I like knowing they have it in case of emergency.

Same - my kids have been AU's on my card since they were like 14 or 15. And they each have their own card (they are 19 and 22 now). They use at college for groceries and gas and other stuff we pay for or if they are home I need them to stop at the store - they already have a card to use. They have never abused this and will always ask if they can use the card or tell me when they are buying college stuff. I like to know they have it for emergencies also.

 

[LynnTH]

Is there a way for authorized users to see their credit scores, as many of the cards now provide this benefit? I’d like to do add my 20 year old as an AU, as I believe she has no credit history, but I worry she may have something on her credit (that I don’t know about) which would negatively affect my credit somehow if I add her as an AU.

I opened them a Credit Karma account (with their permission). Both kids have scores over 800 due to being an AU on some of my cards and they also go their own cards when they turned 18 just to establish their own credit too.

 

[Shannon G]

So I took the leap and applied for the AMEX platicorn offer (125K SUB w/10x grocery & gas) on Sunday which was the last day of my targeted offer before it expired. Today, I got a fancy package in the mail and y'all didn't tell me I'd ALSO get a unicorn kind of credit card! That thing is heavy! I have no idea where to start or what to look for with these offers you keep referring to, but I'm already feeling kinda fancy ☺

I got the AMEX Platinum recently (I couldn't find my way into the 125k offer, but I did find the 100k offer) - when it came in & my 16 year old saw it, she said "Wow - we must be rich! Only rich people have metal credit cards!" I told her that, first of all, no, I'm not rich, Second of all, even if I was rich, that wouldn't mean that she was.

 

[chattadisser]

I really wish I could find a reason to change my Delta flight LOL
You may have called us in the past to adjust your travel plans. Because we know plans can change, we now have an easier way for you to take control of your travel. If you need to change your flight, you can quickly make changes at delta.com or with the Fly Delta App. Then, as a one-time offer, we’ll gift you 2,500 bonus miles. Rest assured, the value of your ticket will not be lost. Offer ends June 30, 2021.

Did this come via email? I have a Delta flight that I got with my AmEx credit with every intention of changing and if I can get some bonus miles out of it even better. I don't always open every email from Delta so I may need to go through my deleted folder.

 

[GZanta77]

I got that but did not do the 50 transactions so it was not for that.

Might you have done at least 10 transactions? I think 10 was where the bonuses started.

 

[WVMomof3]

Might you have done at least 10 transactions? I think 10 was where the bonuses started.

I haven't even used it this calendar year.

 

[elgerber]

Did this come via email? I have a Delta flight that I got with my AmEx credit with every intention of changing and if I can get some bonus miles out of it even better. I don't always open every email from Delta so I may need to go through my deleted folder.

Yes, I got it in an email this morning. Dh did not get one though for his Delta acct. But I guess he hasn't booked anything in forever either.

 

[softballpooh]

I told her that, first of all, no, I'm not rich, Second of all, even if I was rich, that wouldn't mean that she was.

This made me literally LOL! We have this same conversation regularly with our 13yo when she starts collectively using the term "we" when discussing finances and travel goals!

My DD is 15 and has been on my cards since she was 13 I think

Yes, make him an AU. It helps. We got DD a couple of AU cards when she was a teen, and let her carry them and use them sparingly when needed.

Same - my kids have been AU's on my card since they were like 14 or 15.

Speaking of said 13yo- you all have me thinking again with the AU conversations. We have the Disney Visa that (thanks to all that I've learned here) no longer gets regular use. I know it's not a great card, but I love having Elsa in my wallet and I do enjoy having the Disney dollars when we visit WDW.

I'm thinking that this would be a great card for her to have as her first AU. Can I request it for her through SM or do I need to call? Will she get her own card in her own name?

 

[FreeDiningFanatic]

Speaking of said 13yo- you all have me thinking again with the AU conversations. We have the Disney Visa that (thanks to all that I've learned here) no longer gets regular use. I know it's not a great card, but I love having Elsa in my wallet and I do enjoy having the D

I'm thinking that this would be a great card for her to have as her first AU. Can I request it for her through SM or do I need to call? Will she get her own card in her own name?

You can add an authorized user online.

 

[punkin]

I *****ed at Amex via chat tonight but got nowhere. Still missing my $30 pypal credit from 2/1. They're still telling me to wait 12 weeks. My bestbuy credit posted in a couple days. This is ridiculous!

 

[Minnie368]

Instant approval for DH for CIC. Wish I could figure Chase out. DH has had more recent inquiries, more new cards, slightly lower credit score, we used the same business structure. He got instant approval and I was denied. Still haven’t gotten around to calling recon on mine, but I do plan to.

 

[palhockeymomof2]

Instant approval for DH for CIC. Wish I could figure Chase out. DH has had more recent inquiries, more new cards, slightly lower credit score, we used the same business structure. He got instant approval and I was denied. Still haven’t gotten around to calling recon on mine, but I do plan to.

Congrats on your DHs approval
That you are approved on recon
Do you each have similar stats with Chase in regard to number of applications, cards and CL ?

 

[becauseimnew]

Instant approval for DH for CIC. Wish I could figure Chase out. DH has had more recent inquiries, more new cards, slightly lower credit score, we used the same business structure. He got instant approval and I was denied. Still haven’t gotten around to calling recon on mine, but I do plan to.

If you figure them out let me know. How many chase business cards did you each have before applying?

 

[StephPlum]

My DS is 17 and heading to college in the Fall of 2022 . Is there anything I can/should be doing now to help him establish credit? He’s got a debit card attached to his checking account that he uses for all of his expenses. I’m wondering if I should make him an AU on one of our accounts (DH and I have CFF, CFU, CSP and CSR)? I wouldn’t actually give him a card or let him charge to the account , but would being an AU help him build a credit history and be helpful down the line? Or not really?

I opened them a Credit Karma account (with their permission). Both kids have scores over 800 due to being an AU on some of my cards and they also go their own cards when they turned 18 just to establish their own credit too.

DS is AU on my CF. He is just starting out and has a score in the 800s. Also he has the card to use when he picks something up for me. He uses Credit Karma to check his credit.

 

[mmmears]

Speaking of said 13yo- you all have me thinking again with the AU conversations. We have the Disney Visa that (thanks to all that I've learned here) no longer gets regular use. I know it's not a great card, but I love having Elsa in my wallet and I do enjoy having the Disney dollars when we visit WDW.

I'm thinking that this would be a great card for her to have as her first AU. Can I request it for her through SM or do I need to call? Will she get her own card in her own name?

Yes! DD got a Plat AU first (because that was DH's main card) but not everyone took Amex, so she needed a Visa, and even though we rarely used the Disney one that's the one we gave her - she had Nemo back then. The card will have their name on it, but as the person on the main account you are responsible for all the charges. The next step, once DD was 18, was having her apply for her own ccard through our credit union (once she had a part-time job).