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

[LilSweetPeaPhoto]

How did they reach out to you? I don’t think DH will want to talk on the phone to get a card approved.

I never went under review. I just kept getting denied. They'd normally tell me why (too many new accounts). So when I finally got under 5/24 I guess Barclay Biz was happy too, LOL

 

[disneybirds]

Cashouts to Schwab don't generate a 1099

Thanks!

 

[wanderlust7]

Pulling up an old comment to ask a question. Does the cashout create a 1099 for the year? Just thinking of options. I know there have been higher signups in the past. Does anyone know how often the higher amounts happen?

The Schwab plat SUB is usually 60k. There was a targeted 100k offer before, but I think it was only for people with Schwab accounts. There was speculation that people with more assets there were targeted.

 

[IFlossU]

@Lain thanks for popping in for that one. Your Hawaiian advice is excellent. Don’t be a stranger

 

[Breck]

Has anyone added someone as an AU to a Citi card? I added my kids to my Double Cash to help them start building credit. I wasn't asked to provide their SSN. Why would Citi not ask for this and can they build credit without me adding it?

You can call and ask to add their ss#

 

[lsutigers03]

You can call and ask to add their ss#

Thanks I’ll do that.

 

[EM Lawrence]

First, you should familiarize yourself with Hawaiian's awards chart: https://hawaiianair.custhelp.com/app/answers/detail/a_id/2218/~/hawaiianmiles-award-chart

This will give you an idea the range of how many miles you'll need. You'll see First Class one-way flights from/to Hawaii-East Coast is 40,000 HawaiianMiles for saver fare, or regularly 130,000 HawaiianMiles. Again, this is for one-way, per person. FWIW, I've never seen First Class saver award fares. I'm not saying they don't exist, but unless you sign up for a service like JuicyMiles or ExpertFlyer to actively look for these saver fares for you, it's very unlikely you'll happen upon them when booking. The chart also lists Upgrade Award amounts, but I've never done this and can't speak to it.

Marriott Bonvoy points do transfer to HA, but as @wanderlust7 pointed out, it's a terrible value and won't get you very far. About two years ago, Marriott merged its and SPG's loyalty programs and consolidated their credit card portfolios that are split between Chase and Amex. Marriott implemented some very convoluted eligibility rules for each of the Marriott credit cards that have the effect of severely limiting what card bonuses you can get if you have or had one of the other Marriott cards or received one of the bonuses in the past two years. The Marriott card bonuses fluctuate between 75k-125k, but I believe are all currently only 75k. It is very hard nowadays to earn Marriott points in any substantial amount from just credit card bonuses. Say you're able to open two of these cards and are eligible for their bonuses, you're looking at something like 200k Marriott points, which you're thinking about transferring to HA at 3:1 (with a 5k miles bonus for every 60k points you transfer) for fewer than 100k HawaiianMiles. Even if you have a second player involved, a Marriott member can transfer only 100k points to another Marriott member in a calendar year, so it's hard to combine your Marriott points stashes too.



This is all very good advice, especially as it relates to looking at Amex MR cards and the Barclays Hawaiian credit cards. I've posted about HawaiianMiles and Amex MR previously. Just do a DIS search for "HawaiianMiles" by "Lain" and it should pull up my previous posts. My only two edits to the above is Amex typically runs a 25% transfer bonus from MR to HawaiianMiles every year, but I don't think Amex ran one in 2020. And holding a Hawaiian credit card allows you to receive HawaiianMiles from anyone without any fees, so it makes it easy to pool HawaiianMiles from your other players to you or the person holding the Hawaiian credit card who has access to the discounted award fares.

These are the current offers for Barclays' two Hawaiian cards:

https://www.doctorofcredit.com/barclays-60000-hawaiian-airlines-bonus-annual-fee-waived-first-year/ (Not expired)

https://www.doctorofcredit.com/barclays-70000-mile-hawaiian-business-offer/ (Still valid)

Keep in mind the personal card will add to your 5/24 count (this thread has explained that to you, right?). So, it may not be the best card for you or any players if getting more Chase cards matters to you.



Amex MR points transfer to HA, and it's quite easy to accumulate a lot of MR relatively quickly with generous SUBs, "supportal" bonuses from other players using your link to open their own cards, and lots of business credit and charge cards that don't add to your 5/24 count. The 100k or 125k MR personal Platinum is a solid exception to deviating from Chase while you're under 5/24.

If you get deeper into the Amex rabbit hole, the Biz Plat might be worth looking into because if you select Hawaiian as your preferred airline, you could essentially redeem your MR points for HA's cash fares at an effective 1.53 cpp. Some math to consider vs. transferring MR to HA to redeem for award fares.

Similarly, while you can’t transfer Chase UR points to HawaiianMiles, you can use UR to book HA’s cash fares through the UR travel portal (ideally with the CSR’s 1.5 cpp). So if you accumulate a lot of Chase UR, you should compare buying HA tickets with UR as “cash” worth up to 1.5¢/point on the UR travel portal vs. getting the same seats via other methods.

Thank you for all of this extremely helpful information. I’ve read though all of the replies several times. My takeaway, as someone still pretty inexperienced at all of this is that the simplest way to get what I’m after might be to get a CS card and accumulate enough points to book what I want (flight to Hawaii) with UR.

I’m going to marinate on the more advanced strategies you’ve outlined and see if I can wrap my head around it enough to feel comfortable pulling it off. Any trips to Hawaii are at least a year away, so I’ve got some time to spend and earn.

*By new to this I mean that until two years ago we only used CC in case of emergency and gave no thought to rewards at all. Then I got a MBB card because the $95 annual fee seemed like a reasonable expense when you get one free night, and I got 100K Bonvoy points for opening the card. Now I’m putting all of my monthly spending on the Bonvoy card, I have more points than I originally aimed for, and I’m thinking all of my monthly spending could be used to get more. This rabbit hole for me all started when I realized I’m probably not going to earn Platinum as a Bonvoy member, and I really prefer to stay in upgraded rooms. Bonvoy only lets you book basic rooms when you use points at most of their properties, at least in my experience.

The Platinum Amex does not offer a lot that appeals to me beyond the initial bonus, and from what I understand you can only get that bonus once, ever. I think it might make sense to save that for a few years down the line when I anticipate I will be flying more frequently?

 

[IFlossU]

Kind of an interesting DP. Back in August I was offered a $70 statement credit to keep my SW Plus card open, which I gladly accepted. Yesterday, I accepted an offer to upgrade to the Priority card. Today when I logged in I see I have a $23 credit. They still gave me a prorated AF refund even though I received a $70 credit when I renewed.

 

[EACarlson]

Thank you for all of this extremely helpful information. I’ve read though all of the replies several times. My takeaway, as someone still pretty inexperienced at all of this is that the simplest way to get what I’m after might be to get a CS card and accumulate enough points to book what I want (flight to Hawaii) with UR.

The Platinum Amex does not offer a lot that appeals to me beyond the initial bonus, and from what I understand you can only get that bonus once, ever. I think it might make sense to save that for a few years down the line when I anticipate I will be flying more frequently?

Both of the airlines that fly nonstop from your preferred airports (ATL, MCO) are transfer partners of AMEX. The only way you are getting those flights with UR is to to book them through the Chase Travel Portal. I would look at the AMEX Gold card if you don't see much about the Plat that appeals to you, I love the earning structure and in a year I'm sitting on 225,000 points without a SUB. Then you would have a choice of which airline when you are ready to book.

The issue with waiting to get the Plat SUB is that right now it is one of the higher offers. I've seen 125k point SUB which is the highest ever offered, the 100k SUB was called the Platicorn for how rare it was.

 

[gottalovepluto]

‘Tis the season for increased DL offers! Biz cards are available via support links but looks like personals aren’t (yet? Never know with Amex)

DL Gold - 70K bonus miles after spending $2K in purchases on your new Card in your first 3 months, AF waived first year

DL Gold Biz - 70K bonus miles + $50 statement credit after spending $2K in purchases on your new Card in your first 3 months, AF waived 1st year

DL Plat - 90K bonus miles after spending $3K in purchases on your new Card in your first 3 months ($250 AF)

DL Plat Biz - 90K bonus miles + $100 statement credit after spending $3K in your first 3 months ($250 AF)

DL Reserve - 80K bonus miles + 20K Medallion Qualification Miles (MQMs) after spending $5K in your first 3 months (AF $550)

DL Reserve Biz - 80K bonus miles + 20K Medallion Qualification Miles (MQMs) + $200 statement credit after spending $5K in your first 3 months (AF $550)

 

[punkin]

Help me out. I got a Southwest Priority card last year (along with a business card to get a CP). Now the AF is due. Is there any reason I shouldn't cancel it?

 

[palhockeymomof2]

Help me out. I got a Southwest Priority card last year (along with a business card to get a CP). Now the AF is due. Is there any reason I shouldn't cancel it?

If you can use the $75 credit on SW purchases and the 4 upgraded boardings I’d keep it...
Also you could call Chase and see if there is a retention offer

 

[punkin]

If you can use the $75 credit on SW purchases and the 4 upgraded boardings I’d keep it...
Also you could call Chase and see if there is a retention offer

I haven't flown anywhere for a year!
I have a CP that hasn't been used. I have a $75 credit from last year that I haven't used. I'm really on the fence about this. If I start flying sometime this year, it's a really useful card. Otherwise, it's not.

 

[palhockeymomof2]

I haven't flown anywhere for a year!
I have a CP that hasn't been used. I have a $75 credit from last year that I haven't used. I'm really on the fence about this. If I start flying sometime this year, it's a really useful card. Otherwise, it's not.

Agree...I’ve kept mine and have been able to use the upgraded boardings etc...

 

[CyndiLouWho]

I know you don't want it out there but it seems way better to cancel than pay a fee on the card. I realize you aren't using it but it would also look bad. They'll all eventually find out anyway so best to cancel this one and get the others sorted before that happens.

Actually my dad passed in 2013 and my mom still has a Discover card in his name, not to mention his Facebook account and a few others she refuses to change.

 

[afan]

Actually my dad passed in 2013 and my mom still has a Discover card in his name, not to mention his Facebook account and a few others she refuses to change.

She's his wife though, so I can see the credit card being ok in that instance, but I don't see the need as she has her own unless she's an AU on it. If it's a parent, I don't. And facebook doesn't do anything other than have the ability to designate someone to take your account and delete it.

Does the card still report to his credit report? Maybe financial places don't care like I think, I just remember what my dealt with when her dad passed and when my stepdad passed.

 

[ten6mom]

‘Tis the season for increased DL offers! Biz cards are available via support links but looks like personals aren’t (yet? Never know with Amex)

Being me, I immediately read this as "Disneyland" and was all

But then I realized what is still going on in the world and was all

*sigh*

 

[CyndiLouWho]

She's his wife though, so I can see the credit card being ok in that instance, but I don't see the need as she has her own unless she's an AU on it. If it's a parent, I don't. And facebook doesn't do anything other than have the ability to designate someone to take your account and delete it.

Does the card still report to his credit report? Maybe financial places don't care like I think, I just remember what my dealt with when her dad passed and when my stepdad passed.

My mom doesn't check my dad's credit report. She's more head in the sand type. She is an AU on the card, I have dad's card to use for stuff I get her. She got 2 new cards last month in both their names, and couldn't activate them until she realized it was under his SS# and she had to use that identifier. I have tried explaining, she won't listen. My mom took over dads FB, changed it to her pic.
Mopedmom1 DH passed, if she doesn't want the cc companies to know, her prerogative.

 

[Crazed4DisneyinSC]

Being me, I immediately read this as "Disneyland" and was all

But then I realized what is still going on in the world and was all

*sigh*

Ok I also thought the same when I read this, lol.

 

[Shannon G]

My mom doesn't check my dad's credit report. She's more head in the sand type. She is an AU on the card, I have dad's card to use for stuff I get her. She got 2 new cards last month in both their names, and couldn't activate them until she realized it was under his SS# and she had to use that identifier. I have tried explaining, she won't listen. My mom took over dads FB, changed it to her pic.
Mopedmom1 DH passed, if she doesn't want the cc companies to know, her prerogative.

I'd be very hesitant to continue using the credit card of a deceased person. Once someone dies, their card becomes invalid, and whoever is in charge of their estate has a duty to notify creditors of their death. Deliberately not informing the credit card company and continuing to use their card could be considered fraud.