Alexle2007
DIS Veteran
- Joined
- Apr 15, 2013
DH and my BOA Biz cards arrived today! DH doesn’t remember applying for it
Thinking about adding DH as an AU on the Citi Visa. Thoughts?
FWIW, if your Costco Visa is older than 24 months old, adding him as an AU will not affect his 5/24 status. Citi backdates to the original opening date of the primary cardholder, and so does BoA, I've added DH as AU to my old BoA and Citi cards and can see from his Experian account that they post as the original opening date. I've read Chase does the same (though I haven't tested that myself).I think i’ll Just give him my Costco Visa card to use for gas only.
No she took it away. Didn’t find out for half an hour or so it was sons, when he messaged meHope it was something you enjoyed
Neither does mine! Thanks to your and @happ instant approvals I decided to try myself today. Instant approvals for both of us. I already have one from 2/20. I had to recon an Alaska Biz in Nov. DH was denied for the Biz Cash last April and Alaska Biz in November. So I was surprised to get approvals for both of us. I even decided to push my luck and tried for Alaska Biz for DH, since they combine pulls. Figured no harm in trying, but he was denied for that. Oh, well. I'm quite happy to have gotten 2 of the Biz cash. I'd been planning on paying down on my mortgage so I'll do Plastiq towards that for the MSR.DH and my BOA Biz cards arrived today! DH doesn’t remember applying for it
That's interesting. And GREAT information. Thanks!FWIW, if your Costco Visa is older than 24 months old, adding him as an AU will not affect his 5/24 status. Citi backdates to the original opening date of the primary cardholder, and so does BoA, I've added DH as AU to my old BoA and Citi cards and can see from his Experian account that they post as the original opening date. I've read Chase does the same (though I haven't tested that myself).
Sure thing. Warning: do not do this with Amex, apparently it will count toward 5/24 from what I've read.That's interesting. And GREAT information. Thanks!
Gotcha. Making a note (that hopefully I will find when I need it)Sure thing. Warning: do not do this with Amex, apparently it will count toward 5/24 from what I've read.
I feel like I'm never great at these, because I'll try. Have you looked at what airlines you'd use for Scotland? If any of the AmEx transfer partners would work I'd give serious consideration to the personal Plat for you. It doesn't get any better than 100K MR + 10x on gas and groceries for 6 months. Or even 125K if you can find that. Of course it has that hefty annual fee, but if you can use the airline credit for SW that helps. I don't remember what your reason was for CIU denial in January, but depending what it was I'd also consider one of the Inks.Ok, I feel completely lost and I'm a bit rusty on things, so I'll just do one of these:
P1 2/24
super old CF
2/19 CIP
5/19 CSR
5/19 CSP
8/19 Biz Pref
10/19 Amex Bonvoy
1/21 CIU (denied because I'm a dummy)
P2 3/24
1/19 Chase Disney
4/19 CIP
7/19 Biz Pref
1/20 SWPremier
1/20 SWPlus (CP good through 21)
2/21 CSP
We have a WDW trip at the end of April and would like to start replanning our Scotland anniversary trip that is now 2 years later than it should be. We also have talked about a Costa Rica trip with the kiddos next Christmas (do we think SW will resume travel there by then?), but that's more of a wish list item. URs are our fave, but currently we have no MR so willing to look into that too. I also have yet to use my Bonvoy points (90K) or my free night cert because I can't figure out how to find these elusive 35K night places that are actually somewhere I want to go. Thanks!
I heard Chase is particularly stingy about doling out instant approvals- has this been anyone's experience? Applied for Freedom Flex today because I want the card, but was also secretly hoping to take advantage of the BJ's 5% this quarter, which now won't happen (ends march 14th.) Got the "under review message." Have excellent credit and my last credit card I opened was (The Chase/Amazon) ~3 years ago.
No other cards within 3 years, and utilization is usually always below 30%, never carry a balance. Only debt is student loans? Phone line still says “30 day message” which seems to be placeholder. Maybe worth calling on Monday to see?It's not as unusual as it was before. Having great credit and not having gotten a card in three years aren't the only thing they look at. They look at the amount of credit you have on chase cards over all, the balances on all of your cards, your income to debt ratio, so also other loans, and hard pulls.
Have you gotten other cards in the last 3 years, they look at more than just chase. Also, did you call the recon line to get the message there as that will give a bit more insight into the reason. 800-432-3117.
No other cards within 3 years, and utilization is usually always below 30%, never carry a balance. Only debt is student loans? Phone line still says “30 day message” which seems to be placeholder. Maybe worth calling on Monday to see?
Congrats! I think we have a Biz trip to HI this week so they can get some useNeither does mine! Thanks to your and @happ instant approvals I decided to try myself today. Instant approvals for both of us. I already have one from 2/20. I had to recon an Alaska Biz in Nov. DH was denied for the Biz Cash last April and Alaska Biz in November. So I was surprised to get approvals for both of us. I even decided to push my luck and tried for Alaska Biz for DH, since they combine pulls. Figured no harm in trying, but he was denied for that. Oh, well. I'm quite happy to have gotten 2 of the Biz cash. I'd been planning on paying down on my mortgage so I'll do Plastiq towards that for the MSR.
I heard Chase is particularly stingy about doling out instant approvals- has this been anyone's experience? Applied for Freedom Flex today because I want the card, but was also secretly hoping to take advantage of the BJ's 5% this quarter, which now won't happen (ends march 14th.) Got the "under review message." Have excellent credit and my last credit card I opened was (The Chase/Amazon) ~3 years ago.
Does anyone have recommendations for Puerto Rico? Planning a last-minute trip there for our spring break (all late 20s adults). We’ll all be fully vaccinated by then so we wanted to go somewhere fun, but not international.
Flights are booked, but we honestly don’t have any plans in between. I’ve been to San Juan (as part of a cruise) and liked it enough, but definitely don’t want to be there the whole time.
Anyone have hotel /Airbnb / general location recommendations? Activity recommendations or any other tips?
Do Annual Passes purchased from Disney code as travel expenses with CS or with Amex?
Also, do tickets purchased from third party vendors code as travel with CS or Amex?
I did a quick search but could not find an easy answer.
If anybody is targeted for this BBP offer, AND you have high organic spend or reliable Amex acceptable MS - you should really consider it! You have 12 months to meet the MSR, and you're looking at 80k MRs all-in for $15k in spend with NO AF and a 0% APR on a business card. With a Schwab Plat cash-out you're looking at $1,000 here! My wife and I both have BBPs already so no consideration here. But I just wanted to throw it out there! Thanks @miztressuz for sharing the info - I made sure this went into the News Thread.New targeted welcome offer for the AmEX Blue Business cards reported:
Blue Business Plus card from AmEx
50k MR points for $15,000 of spend but over the first 12 months plus the 0% APR on purchases still.
Blue Business Cash card
$500 statement credit after $15,000 in spend over the first 12 months plus the 0% APR on purchases.
Normally the public link has no welcome bonus and support links for BBP show the usual 10k/3k offer. The best offer thus far has been a targeted offer for 30k/5k in 3 months. Other targeted offers have been 20k/5k in 3 months and 20k/3k in 3 months.
The BBC has a similar support offer to the targeted offer, it's just tiered right now. $250 for 5k spend in 6 months and another $250 for an additional 10k within the first year. Ultimately the same result if you would spend $15,000 on the card in the first year, but with the new offer you are committed to the full amount to get anything. If you were looking for a cash card instead, I'd probably look at a support offer for the BBC over this targeted one.
To see if you're targeted you login when you apply. If you get the application screen then congrats, you're targeted! If you get a message "We are sorry. This offer is no longer available" then you are not currently targeted (Like moi)
Does anyone have recommendations for Puerto Rico? Planning a last-minute trip there for our spring break (all late 20s adults). We’ll all be fully vaccinated by then so we wanted to go somewhere fun, but not international.
Flights are booked, but we honestly don’t have any plans in between. I’ve been to San Juan (as part of a cruise) and liked it enough, but definitely don’t want to be there the whole time.
Anyone have hotel /Airbnb / general location recommendations? Activity recommendations or any other tips?
Lol, was debating telling this story here... I got the Disney Chase card a year and a half ago when I was booking a vacation and pretty sure I got instant approval. Found out later I got a really high limit. Nearly double any other card I had.I heard Chase is particularly stingy about doling out instant approvals- has this been anyone's experience? Applied for Freedom Flex today because I want the card, but was also secretly hoping to take advantage of the BJ's 5% this quarter, which now won't happen (ends march 14th.) Got the "under review message." Have excellent credit and my last credit card I opened was (The Chase/Amazon) ~3 years ago.